I wish mobile service providers would completely separate the cost of the service and the cost of the device. This would make it much easier for the consumer to compare and decide when in the market for devices and/or services. It feels like right now the waters are muddied so to speak so as to try to mislead the consumer, which no doubt leads to much confusion and many complaints that customer service reps have to deal with. Providers should set their plan pricings without any device subsidy (tab contribution) built in and then if a consumer wishes to purchase a device through the provider (unlocked of course, since one way or another they will be paying for the device in full) they can choose to either pay for it in full upfront, or amortize an amount of their choosing over a time period of their choosing, the cost of which would be added separately to their monthly bill (along with some interest perhaps). I think this would be a more clear, upfront and honest way for providers to do business. Just a thought.