Apple would love nothing more than to take your money to replace your screen.
The whole point is that I have NEVER damaged any screen on any of my iPhones - well not if you don't start to look for minuscule scratches using a magnifying glass - but I could not care less about those that I can't see anyway.
I've dropped them plenty of the years. I also keep them for a long time as I have no need for the latest, greatest iPhone anyway.
And I only ever had any case on any of them since they have the camera bump/lens that sticks out.
Had I spent 12$ (or 12 EUR - and I doubt those that sell out here go for that low to be fair) every single year: I'd have had a worse product all the time and I would have spent much more than even for a single screen replacement (that I never needed).
The only way to improve on this would be that the screen protector vendor would insure you would the screen on the phone break nonetheless. But they won't do that (certainly not at that price point).
The screens of an iPhone are NOT fragile at all.
Those pushing the screen protectors ...
I prefer to spend $12 or so a year for a pack of 3-6 screen protectors and have the extra piece of mind. I’ve never felt like my phone has been limited in any way. Maybe you’ve had some bad installs.
You mean like people getting it installed at an Apple Authorized Reseller, ... (my sister had one of those), I've also seen that location pushing people into buying the screen protector with their iPhone using guilt and FUD. It's an outright disgrace to see how they badmouth the screen of the phone they're selling in favor of the obvious profit they make by installing these glass screens. If I were doing an audit of such a chain of stores for Apple: they'd lose their authorized status pretty quickly: you do not badmouth the product you sell in your store.
In the end there's 2 possible materials they can use: a plastic layer or a thin piece of glass.
Plastic: yuck. The big improvement apple did with the original iPhone was exactly that: a glass screen! Not goign to revert back to the dark ages out of fear.
The glass is not going to be better than what apple puts in the phone itself already. Neither with reflections, nor with strength. And certainly not when it comes to the precision of the digitizer. esp. not at the very edge of the phone.
I've also seen cracked screens underneath a perfectly intact screen "protector"... on phones that got dropped badly on an edge. So what are they protecting from anyway: they scratch more easily than the screen and can't protect it from fall damage that is unlucky or bad enough to damaging the screen anyway.