I If I tried to carry a desktop computer and monitor around with me all day, it would probably get broken. Thankfully mobile device are... mobile. I'm glad it ever fits in my pocket! You can mitigate the issues you detail with a heavy duty case, waterproof phone, and/or insurance.
Also it is a hard thing to share so you're not just buying one for a family.
It's no fun dropping a $1000 phone in the toilet or down the stairs.
A lot of people forget this.