I went with the iPhone a year program purely out of convenience, not for the purposes of "financing". I get to have a new phone every year without the hassle of actually trying to sell it. I'm sure I could make out better financially I did sell the phone myself instead of trading it in to Apple, but I'd rather pay to not have to. My choice, yours can and may differ!
"I get to have..."
That's fine but in essence you are renting an iphone monthly for life for a monthly fee, most won't do that as its not financially a great way to go. If you don't mind adding another ever increasing monthly expense and paying Apl full MSRP just to get latest model yearly... . more power to you, just don't expect many to follow that rental for new phone at full MSRP path.
Most people get mortgages , insurance payments, car payments...many cut the line off at expensive apl devices in terms of continual renting for life. Not too long ago an Iphone was $199 not $749 divided into payments
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