I mean the economy is bad and its not like everyone would have good credit score People can still pay things but not right away. What's even more stupid is if you have very low you would have to pay more for monthy payment and that will even hurt the buyer more. It's just stupid just for a phone they will need to do that and signing a contract just for a phone. It's not like its a car or house? Simply they just should make it that you pay $300??? And then just pay the monthly service if you want it.