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Banned
That would be huge. Definitely don't want to buy phones through a carrier. Why aren't smartphones sold like regular electronics at retail?
Part of the problem is that phones cost $599 and up and US carriers don't do special contracts without phones. T-Mobile have started but because of their spectrum issues they won't gain as much traction as they should until 2014/15 when they begin to repurpose MetroPCS spectrum.
Take my personal contract as an example, I have a SIM only contract with Vodafone for £25/m that comes with 4GB of data, unlimited minutes texts. The same contract with an Xperia Z costs £47/m and you have to sign a 24 month contract rather than a 12 month contract. Over the period I would end up paying the same/more for the phone, but for the spread out payments I end up with shitty branded software, SIM-locks (I travel, a lot, so I need an unlocked phone as I have about 20 different SIM cards from all over the place), and a bootloader that can't be unlocked.
Over here and all over Europe, SIM-only deals are a big deal, almost everyone I know has a SIM-only deal and buys the phone outright. Take my example, I just ordered the Xperia ZL from Amazon.de for 559 (£470, cheaper than a Z over here) and it is unlocked, get's direct updates from Sony, and I have a choice of retailers to buy it from.
The US phone market needs a huge shakeup, that's why I would love to see Softbank succeed instead of DISH and for T-Mobile to do well also. With rumours swirling that Verizon will buy out Vodafone's VZW stake for $140bn and then Vodafone will use the money to merge with AT&T as a senior partner, there could be a huge shakeup in the works, but it does need FCC support.