[reaperducer]

If he's a developer on HN, there's probably a good chance that he knows that.

Shoving the payments onto the carrier isn't always a bad thing.

For example, I don't always have $1,100 lying around doing nothing, and these days I'd rather be liquid in case of sudden job loss or other emergency. So keeping that $1,100 in my emergency fund and shoving the payments onto the carrier at 0% interest is a better idea than paying up-front for a phone.