Then you obviously haven't been in the "are you going to use a case?" or "should I buy applecare?" type threads. Go read up as people say they will do that all the time.
Did I ever single out the OP and say he was? Nope. Sure didn't.
Sure, I have no issue with using insurance the way it was intended.
Again, as stated above, you obviously haven't been active on the forum enough (with your 0.37 posts per day) to know that people do indeed do this.
Ha ha ha, you're absolutely correct - I don't have 32 posts per day like you do, because I have a life with a challenging and fulfilling profession, and a wife, 2 kids, a house, and cars, hobbies, etc. to take care of and fill my life with things other than macrumors.com. You must be on here the equivalent of a full time job every day with your 1000 posts in less than two months. That is downright obsessive/pathetic IMHO.
Apple is not going to replace scratched devices under AppleCare, it is an extended warranty and support program, not an insurance policy. They are going to repair them, not replace the entire unit. For the iPhone, the program costs $99 with a $79 service fee for each incident, and the customer is entitled to only 2 instances of repair for the life of the program, which is 2 years. So if you shatter your screen, you get it repaired (not the entire phone replaced) by an authorized Apple service shop. People aren't going to waste one of those 2 and pay the service fee for some scratches. If they do they are idiots. Apple's BOM including labor for the entire iPhone is only around $200 so they are definitely not losing money either way, so the whole premise that people are causing the price of iPhones and AppleCare to go up if they stupidly waste their AppleCare coverage on a few scratches on the back of the device is totally off. Apple still makes money off of a repair under AppleCare in any case and almost nobody is actually going to be so dumb as to waste their AppleCare on it. It is a far cry from abuse or fraud on an insurance policy like you are trying to portray it. You are acting like not using a case and then taking a phone in for repair under AppleCare is the equivalent to telling an insurance company that no teenagers will be operating the vehicle you own, but your 17 year old son is actually the primary operator of the vehicle. That is what I mean when I say your assertion is ridiculous.
Apple makes a killing off of AppleCare. Notice how they avoid using any wording related to insurance in their marketing material on the program? The vast majority of people who buy it never use the two repair instances.
The people smugly claiming they will "take advantage" of their AppleCare extended warranty are either just saying that tongue in cheek, or they don't really understand how it works, the limitations, and what it costs them. They are right where Apple wants them.
If the reason you get AppleCare is primarily for insurance against nicks, scratches, and shattered screens, then you are much better off just buying a good case. Much cheaper (less than $50 instead of a minimum of $178 for AppleCare + 1 service fee) and less hassle.
I myself have always run "naked" iPhones, never used a case, and haven't shattered one yet. Mine look used by the time I go to upgrade (I usually upgrade every other year on the tick cycle), but for me that's character that makes mine unique to me. I don't see my iDevices as investments but rather as sunk costs, and usually pass them down to my kids anyway. Resale value means nothing to me as I am not price sensitive. For those that are, that's fine, it makes logical sense if you want/need to sell on the device when you go to upgrade.