The consumer who gets a "free" 3GS with a full plan, is to put it bluntly, stupid.
The total cost would be at least $1320. That's 93% of the total cost for an iPhone 4 (and that's not including the resale value that's a lot higher for the iPhone 4.)
The $99 that consumer would be saving, that's less than two months of the plan.
Stupid. It's as simple as that.
Yes, everyone who doesn't think like you is stupid.
The average consumer doesn't care about resale value. Especially with this 3GS, which I assume is big with family plans.
What people do with their own money is their own damn business. Get off your high horse, and calm down.