My wife and I write about technology for a living, and so it behooves us to stay up-to-date and always carry around the latest and greatest. Yet, I still have my old iPhone 3GS, and my wife hasn't yet complained about her lowly 3G. Truth be told, what both of us anticipated more than the new iPhone was getting off the AT&T contract. We're both off contract now, so that's good. However, why is it that we're told new phones are subsidized and are essentially paid off during that 2-year contract commitment when the charges stay the same when the contract ends?