it's a lot easier to pay smaller amounts over time than it is to pay a large lump sum, even if it is technically less after x number of years. Delayed gratification etc, but also sometimes folks need a phone and can't put off the purchase until they save up the upfront price. T
If you take a look at marketshare, Americans are animals that spend well beyond their means in bulk. Apple products or Samsung products dominate the smartphone market and it's the expensive ones.
To be fair I know a nontrivial number of people who bought their iPhones used. I’m sure that happens in the android market, but it doesn’t seem to be as common in the US. I think the fact that iPhones have offered acceptable support for much longer than android has helps a lot there.
It's easy to forget this place is populated with upper-middleclass skilled professionals that probably haven't lived economically precariously in years, if ever.
For some folks out there, planning ahead is "will I have enough money for groceries next paycheck?". There are cheap phones, and I agree that folks are careless. But there is also a concerted effort to encourage this kind of behavior because the economy is built on this kind of dumb consumer spending and debt.
Things being the way they are is exactly the reason Americans can't afford to pay for a cell phone upfront. There's no amount of "planning ahead" that will change that when people are living paycheck to paycheck and having to go into debt to afford basic things like groceries.
