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StarOcean said:
I know very few people who buy phones at full price. They cost less to consumers due to contracts. I do wish they had this with consoles. I'd be up for that. Pay a little initially and then pay in full once my paycheck comes in

This is only true in some places, like the US. In a lot of countries people usually buy unlocked phones off-contract. I prefer it that way, since US carriers are completely terrible to consumers. Where I live, half of the stuff they do is illegal.