https://www.cnet.com/news/almost-half-of-smartphones-sold-in-us-linked-to-installment-plans/
"51 percent of iPhone sales were made through installment or off-contract plans, 37 percent via traditional contracts and 12 percent with prepaid plans."
And that was two years ago, before we reached the $1000 threshold for a phone. I seriously doubt the 1% of people who buy their phones outright, all visit this forum at the same time and post to the same thread. Call me skeptical.
If you are one of the few that pays cash for your phone, you have my admiration and sincere apologies. Best wishes on your many successes.