@prologic@twtxt.net in this case it isn’t vendor lock-in. I believe they do it because the carrier “eats” the costs (the interest part of the instalments). The phones are fully unlocked.
I will return the two we got for parents, and re-buy them again, this time on an instalment plan. Why pay $2,000 up front when you can split the cost in convenient monthly payments, all interest free, right?