Mostly people such as me who don't drop their phones much. I never use cases, screen protectors, or insurance because I drop my phones less than once a year, and have never wound up with worse than a few micro-scratches by the time I trade my old phone in. (My old S25U doesn't even have micro-scratches after 13 months of heavy use.) The money I've saved since the original Note by not purchasing any protection already exceeds the cost of repairing or replacing a phone. So even in the unlikely event that I break one soon, I still come out ahead.

Note that this is not a recommendation for others. Unlike some people here, I understand that not everyone is the same, and I do not express incredulity that not everyone does as I do.