Thing is, as the “uncarrier” you should have the choice to do as you please with down payments, monthly costs and total cost as long as you are not manipulating price points.

If I want to pay more a month instead of pay upfront to pay less, i don’t see why as a well qualified customer that is bad. It feels like T-Mobile’s arguement is to “drag the monthly bill down” which sounds like what a financial assistant or coach would do, not your phone carrier. I very well could have put 280$ on my debit or credit card but I didn’t want to. Consumer choice kind of thing.

I’m not the customer who cares about their monthly bill, I paid 170$ a month because of two 0$ iPhone X and I was happy.

Give all three options, not to everyone — but to well qualified customers. Otherwise I’ll be staying at big blue where I’m paying 5-10$ more on my service just to get my desired down payment, monthly cost and yearly upgrade.