I don't have an iPhone, I have the most basic phone you can buy. No insurance to worry about, doesn't matter if it gets scratched, don't care if it gets dropped and nobody in their right mind would steal it.
The reason I have this phone: because up until the iPhone came out, I just saw the whole mobile phone industry as overrated, overpriced and pointless. I'd rather spend out a grand (UK £1000) on a computer every couple of years than pay the equivalent for a simple telephone. And still a big part of me thinks this, but the iPhone is very appealing, and at some point I'm sure I will buy one.