We buy ours outright, not on some payment plan.
I have no problem with the payment plan at 0% interest because I’m using AT&T’s money for 24 months, at which point, I will, continue to do the same for a newer model, also at 0% interest, meanwhile they are eating the inflation cost. Also meanwhile, I am putting that money I would have spent in investments earning a good return. Win-Win. . . And I have the latest technology (most of the time) with a great camera.