WHY are CELL phones So EXPENSIVE!??

In one Week I have lost a cell phone. Broke a cell phone and dropped one in a puddle!! I'm such a klutz!! Of course I have to have the coolest phone there is so I need to get the most expensive one. Which I thought I had insurance on but FYI radio Shack insurance does not cover lost or stole. OK that's a good think to tell people when you selling it to them. Let me make an informed decision instead of feeling took. So I'm down to no phone and no more money. AHHAHHHHAHHH!!!! LIFE WITHOUT MY CELL HOW WILL I LIVE?? I am So crying inside.