S22 Ultra Broken Screen, No insurance offered

It's not even a year since I got my new Samsung S 22 ultra on contract , this is one of many contracts I have with MTN , but i have just about had it. So about a week ago something very unexpected happened, yes , my screen broke.... Thinking well of course its a R30K phone , the sales lady never asked me for insurance , I was sooo positive that at R1000 pm the insurance then has to be INCLUDED in my monthly price , but nooooo I was mistaken. Fixing the screen is R7000 OUT OF MY OWN POCKET, and the fact that VODACOM can fix it cheaper and without me having to wait 3 weeks for it is absolutely shocking. I have LTE home which I was gonna upgrade from MTN , as well as a Data Contract for my phone, and I was almost considering adding another LTE Wi-fi to the bundle for my mom , but I'm cancelling everything, my WORK and PHONE are the same thing. I can't go without it. It is absolutely PATHETIC , my MONTHLY account to MTN would be over R4000. JUST give me a damn new PHONE!!!!!!!!!!!!!!!! I'm Done