Not being on the 2yr contract means you are now charged a monthly fee for the phone, (only to have the option of upgrading earlier), which some people can't afford like myself. I am on a fixed income and its already hard to make ends meet..,.
For example, the S6 is an extra $19.50 - $26.17 per month on top of my other charges for a period of 12-18 months.
I am on a plan all by myself and no one to share a plan with so there is no savings there as I am single and my children are all grown and on their own... I am already maxed out paying almost $90 a month for my phone and now they want me to pay over $100-130 a month. No can do... My last 2 phones from AT&T, (S3 and S5), cost a total between the 2 of less than $2 when I upgraded with the 2yr contract. Both devices were purchased during black friday promo's and were $0.99 each. Why would I want to pay $20-30 a month after paying those prices in the past?
I am now thinking it would be in my best interest to take my S5, (which I really enjoy using), and taking it to another carrier or using a service like Smart-Talk and pay even less per month. This may be my only option. I know I will not have all the functionality as I do now, but to have my bill cut in half every month may be the best option for me. I have a brother in the same situation as me and he is using my old S3 on Smart-Talk and I have used his phone on occasion and its not all that different as when I had it on my AT&T account...