That's EXACTLY why Apple won't let that happen. Someone who just wants one for themselves won't be able to get one unless they pay your scalped rate because you want a quick buck.
Apple wants it's customers to be happy and they want to get these phones into the hands of consumers. If you want to make money from the, become an Apple authorized reseller and go though that channel rather than ruin other people's experience in being able to buy the product for your profit.
I want an unlocked one myself, as I intend to travel next februray and may be out of the country for several months. I was kinda pissed at first they wouldn't have it unlocked at launch but now I get it.
I'm glad they are preventing scalpers like you from eating up all the supply. Even though it means I get left out, there's a lot of Verizon, sprint, and ATT customers who will be happy -- and wouldn't have been if scalpers like you got their hands on the devices to sell on craigslist or ship to china.
Maybe unlike the iPad 2 launch we won't see lines of 40 Asian middle aged guys in line with cash in hand and then giving the ringleader all the goods on the way out (as seemed to be a common occurrence for months when the iPad 2 launched).
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You are forgetting the activation fee and first month of service. To cancel for a full refund within 30 days you must return the phone. That's an extra $36 + $70-80, so maybe $110 or so you'll be out by canceling after 31 days so you can keep the phone.