No I'm not missing the point. The phone costs $900 and will still cost $900 even if you do monthly payments. POINT. Cost is cost, and what people over here are taking about how much the phone costs not how you pay for it.
I say it again, if people have $900 to part with (payments or all up front), then more power to them and they should get the phone if that's what they want.
Me on the other hand, I'll keep my $900. That will make me happy just like others who decided to buy it are happy too - every body win.
I don't think many are saying it isn't a $900 phone -- but honestly if you compare most flagships and iPhones / whatnot it is the same price. It really is up the person if that $900 is worth it. Not for others to decide. Most of my friends/family keeps phones for like 3-4 years if possible.. I don't. Are either wrong? No .. They just have different interests than me.