So do you consider your OnePlus 3 to be a crappy and expensive phone?
I agree with Zaap, how one treats their smartphone is the most important factor in keeping it from being damaged. I treat mine like what it is, a valuable, handheld mobile computer that is the most important electronic device I own. My dad on the other hand, puts his phone in a case and treats it like the dumb phones of old. It's no surprise to me when he eventually cracks his display (has happened with every smartphone he's owned thus far, and he's currently using a Note 4 with a cracked display). People that think of them as just "phones" tend to treat them with less care IMHO. They throw on a case and think that substitutes the need to be careful with their devices. Now, if your use case is very specific and involves frequent multitasking with your phone and other objects or you work in environments that can be physically dangerous to your phone, then that's different, but you can either buy a thick case, or buy a phone that has that extra protection built in (like the Active variants of Galaxy phones).
Do you have to carry that cast iron around with you? Use it to look at maps? Navigate to locations? Take and make phone calls? Send emails, texts, and chat messages? Browse the web? Watch videos? Take pictures? Pay for stuff? Take notes? Keep track of appointments? Hold it as a flashlight while working with something in your other hand? Cooking food doesn't really translate well as an analogy to using a smartphone.