My current phone payment is almost finished.
This leads perfectly into what I think is the absolute worst trend in tech today: phone payments.
I have managed to buy some EXCELLENT smartphones for ~$400 in the last few years (Moto still makes the best smartphones on the market, hands down. Fight me), and I find it both confusing and kind of comical seeing people spend up to $2000 for a phone that is maybe 30% better than the one I paid less than a quarter of that for (and in some ways is tangibly worse. When was the last time you got a flagship phone that had a headphone jack, an SD card slot or support for dual-SIMs?). When I point this out people usually use some cop-out copium argument like "but it has a better camera!!" as if they are ever going to use it for anything other than mediocre food pics and selfies anyway.
I feel like phone plans are the single thing most responsible for this horrid trend of massively overpriced phones. In every industry, payment plans obfuscate prices, which naturally results in prices increasing overall, but for phones it's even worse because they can use manipulative and deceptive advertising in ways that cars and other products that are often paid for on plans generally cant.
My most hated form of deceptive advertising is the "Get a phone for $0 a month every 24 months by buying our $80 a month unlimited plan!" type deals, because it convinces people (including many people I know in real life that should know better) that they are getting a phone for free. The reality of course is that they are massively overpaying for their actual phone plan, and I have found plenty of unlimited plans for $20 or less, you just need to know where to look. When you realize that you're actually paying ~$50 or more extra per month for 24 months over the actual cost of the plan by itself, things get really bad all of a sudden and it turns out you're actually paying $1200 or even more for a new device every 2 years as part of your regular phone plan.
People complain endlessly about the harm that smartphones cause, and people are right to do so, but nobody seems to realize that we're all getting ripped off and overpaying for the privilege of being abused by our phones in the first place.
I bought a smartphone last year for my work calls (I am self employed) that's only used for business stuff like Teams and other corporate cancer that doesn't belong on my personal phone. It cost me $99 and it works pretty well. It's a little slow sometimes but it gets the job done. That's literally 5% the cost that some people are paying, which is the most insane price difference I think I have ever seen for any product ever!