Being careful can only get you so far. Accidents happen. That's why they're called accidents.
And I agree with you about replacement. Apple has been really cool about it so far but people shouldn't be pissed off at them if they don't get the phone they broke replaced for free.
I agree accidents happen- I never would say they don't. But I pay for accidents with my car, when I drop something by accident I pay for it... I even pay for accidents when daughter doesn't make it to the bathroom quick enough