For me, it was a trip to Universal Orlando for WWoHP.4. Payment plans are feasible for some people. I can pay for my phone outright, but I'd rather invest it or use it for my Disney World trip.
If they're charging subsidy behind the scenes, my wallet certainly doesn't feel it. On the old 2 year contracts, I used to pay $240/month or $6,960 every 2 years inclusive of devices ($5,760 service + $1,200 upfront). On the new Mobile Share Value Plans with AT&T Next, I'm paying $160/month for service and $37.50/mo per financed device or $6,840 every 2 years inclusive of devices ($3,840 service + $3,000 in 0% APR device financing). If I choose to keep my phones longer than 2 years, with MSVP I don't have to keep paying subsidy once the phone has been paid off. On the old plans, I felt obligated to upgrade just so I don't waste my subsidy.Its not outdated. AT&T is still charging the subsidy behind the scenes.
You people really think this is in the benefit of the customer. Plaaaaaeeese!
That said, MSVP is frequently more expensive for subscribers with just 1-2 lines.