[wjertyj]

Yes, and wealthy people are in the position to plunk down that money up front. People who are less privileged frequently have to take advantage of that form of "financing" offered by the carrier.

Remember, by being wealthy, we frequently have to pay a lot less than people who get by month to month. There should be no shock here.

[nondeveloper]

Yes, to your point I was at T Mobile a month or so ago waiting to buy a SIM card in line behind someone who was evaluating their “free” (i.e., carrier-financed) options. They had a choice of a number of Android handsets I’d never heard of.

On the other end of the scale, though, are the subsidies carriers pay to anyone who switches and trades in a quality device. When my partner joined my plan T Mobile paid a $700+ subsidy for his iPhone 11 in exchange for an iPhone 8.

So customers across the entire income scale finance. It’s just a matter of how lucrative that financing is for the customer. At the higher end of the scale where the customer has more choice it’s usually a much better deal.