because I do. So far about 3 strangers asked me to borrow my phone to make a quick call. I dont use a case on my Inc and I know that it only takes one drop to shatter the screen so I ask them for collateral. As you may have guessed nobody puts anything up. Im not the one being a dick IMO. If a stranger borrows your phone and drops it shattering the screen they probably say "oops sorry" and walk away.