At the same time T-Mobile just announced they're finally going out to 36 month installment agreements on phones.

https://www.t-mobile.com/news/un-carrier/eip-flex-36

... though curiously, out of all the carriers, T-Mobile is now the first to start charging anywhere from 0% to 24% APR on their installment plans based on creditworthiness. I assume this is a signal that the era of 0% APR installments from carriers is going to start to disappear as well.

Sprint also got sued a few times over for offering leasing for cellphones - I wonder when the first lawsuits against Apple and Klarna are going to strike as well when consumers realize what they fell for.