IF by a "better phone" you mean made of crappy plastic (yes, like the 3g and 3gs) that could better survive when an irresponsible person abuses it then sure, there are lots of BETTER options out there for you and those like you.
However, if I wanted an ugly plastic phone I would go buy any phone with the android flavor of the month on it or a 3gs....... But seeing as I'm not 5 years old and can actually plan my movements around NOT dropping my $800 phone, I rather enjoy the top shelf craftsmanship, feel and by far the most awesome look of stainless steel and glass.
The time I decide I can't control my body and start dropping my phone is the time I'll pick up the latest and greatest plastic offering from either Apple or one of the other companies that are making such "child proof" devices.
You're right, accidents do happen..... and accidents are also teaching moments. IF you "accidently" drop your phone and have to pay what you think is a lot of $ to get it fixed/a new one and you have the same "accident" again, maybe it's time to pick up one of the plastic phones because you are obviously not responsible enough to own an i4/4s. IF you keep getting 4/4s knowing you have no control over your body than you have no right to bitch about it breaking when dropped.