It doesn’t behoove anyone to be locked into a contract then buy themselves out of it. That isn’t how contracts are set up. The person who agrees to the terms loses the benefits of the contract. And some carriers refuse to unlock even paid off devices. So if you sign for two years, usually you get a discounted iPhone or more money on your trade than it’s worth. That’s how it works. When the carrier has to get out that means they work in that the buyer pays back their gains even though they paid 3x or 4x for their service. Been through the whole Verizon, T-Mobile, and AT&T scams. Now I would never deal with their BS. Used to be at least Verizon sold you an unlocked iPhone.
So if you want the up front benefits, be prepared to pay 3x for your monthly service and deal with a locked iPhone forever. That’s the reality of it. Fine for those who don’t travel or have a second SIM from work they want to put on the same iPhone.