I personally think that being able to finance a phone over 24 months leads people to over spend and not even realize what they’re doing. $4X per month on a phone sounds very reasonable, but a lot of people don’t realize what they’re truly spending. No interest is good, but if the only way you can afford it is over 2 years, I don’t think it’s a smart decision. I have nothing against people getting what they want, but this culture is already buried in debt. I think it’s a detriment to people. Not sure what the solution is, because I also don’t think it’s right that the only people who can have an X should be those who can pay cash. If people stopped paying $1k, prices would drop. The fact people have no problem paying over 24 months for a phone is great for Apple and other high end phone makers. My personal motto is to never buy anything I can’t afford in cash. The only 3 exceptions are my house, vehicles and my kids college education. Am I wrong? Maybe boltjames is right and the X is #premium and only for the best and brightest haha.