Well in the USA you have the option of Apple's iPhone Upgrade Program. Anywhere else this program doesn't exist.
Most people haven't paid $1000 for the phone itself before (USA/Canada) - not before taxes. Sorry scratch that ... ONLY in HTC's hey day was there ever a phone/2 that cost more than $1000 retail full price or after contract.
HTC Advantage X7500 (2007 Microsoft Windows Mobile 5.0 for PocketPC Phone Edition) &
HTC Shift (2008 Microsoft Vista Business and SnapVUE OS; the only time for a smartphone/computer to ship with a Dual OS!!) both of which miserably failed in sales all due to cost. Rogers/AT&T in Canada attempted the Shift as a business alternative ... didn't take.
What you're pre-posing is the cost of the phone at full retail, plus a case, plus AppleCare+. If I went to an Apple store then yes my iPhone 7 256GB + AppleCare+ and a case would've costed me over $1100 ... but I purchased mine off kijiji BNIB (guy was switching to SGS8+) $800 and AppleCare+ kept me under $970 all in. Case I don't use. With all that it's STILL more than I get full retail than the iPhone X without case, without AppleCare+ so your rebuttal is weak in a direct retail for retail price comparison (outside my grey market purchse) as the values don't match up.