Murphy's Law Abiding Citizen

I was an early cell phone adopter. My first phone was talk only - no text, no internet, 75 minutes of airtime a month. I have had several phones since then. Not one of them has ever broken. My husband lost one several years ago, so I unselfishly gave him mine and bought a much cheaper, much less smart one. After that, he found his, naturally. So in December when I "bought" my free-with-contract latest-Android-OS smartphone, I didn't bother to get any sort of handset insurance on it. If you've ever seen any movie or read any book ever, you can see where this is going. This story isn't as much about the phone breaking, though, as the aftermath.
Our story begins on the morning of I Don't Know, Some Weekday. My alarm was ringing, and I wasn't ready to try to get to work on time yet so I hit snooze. As I dragged my sleepy hand back under the deliciously warm covers, I was unconsciously dragging my phone with it. My hand made it back; the phone did not. It fell between my nightstand and my bed, landing on the power strip there. I have dropped this phone before, on concrete even, and it was fine. Magically, this phone had managed to land on the edge of the power button for the power strip, cracking the screen, and rendering the phone completely useless. At first, the screen was just a jumble of jagged colors from the spiderweb crack. Then, it went entirely dark and never recovered.
We are advised to not speak ill of the dead, but there were days when I hated that phone. The battery could be fully charged when I woke up and without me even using it be dead by the time I left work. It was big and clunky too, but it was free and it did work, and a working phone is better than no phone at all. But there I was, with no phone at all. Luckily, I had the sense to wait until we got our first land line phone in 10 years to break my cell phone. Also luckily, a friend was willing to loan me a talk-and-text-only cell phone until I got a new one. Unluckily, I had no way of checking Facebook while waiting to pick up my daughter from school. Imagine! I went to the cell phone store and pled with them to allow me to renew my contract and buy a new phone for the lower price, but they would not budge. I threatened to cancel my contract and go elsewhere, they would not budge. The salesman suggested a cell phone repair store, a thought that had not occurred to me. So I went there optimistically, only to be told within 5 seconds of showing them the phone that the replacement part is $300 (excluding labor costs) and they don't even have it in stock. I could get a new phone on eBay for that price.
I did find a phone I wanted on eBay. I had decided that since the broken phone had been free, it wouldn't kill me to spend lots of money and just get the phone I want and won't mind still having for a couple of years until my contract is finally up and they're offering me free phones and hand jobs and unicorns to keep my business. eBay had the phone I wanted for a couple hundred dollars less than full retail. I was willing to pay the Buy It Now price just to get my hands on a shiny new phone. eBay then proceeded to flip me off with both hands as it denied not one, not two, but three credit cards I offered it. I got some error about the cards not being valid for payment. I think eBay just doesn't like money, because THREE separate credit cards?! On top of it, my husband tried to use his Bill Me Later account, and that refused to work either. Not that I did much business on eBay, but I guess I won't bother ever trying to again.
At that point, it had been a week since my phone broke. After cussing at eBay, I decided the easiest thing to do was to go back to the cell phone store and pay full retail for the phone. It was easy, after the half hour wait for a salesperson to become free to help me. Now, I have a shiny new smart phone that is not as clunky and doesn't need to be charged every 5 minutes. And handset insurance.