I'm on AT&T and there's no way I'm subsidizing this phone from them. I buy all my stuff used or off contract and save $25/mo per line on my bill (we have 3 lines). If I sign up for 2 years, that's an extra $600 I'm paying to AT&T. So, say it's $200 on contract, I'm paying $800 for the phone, and being locked into contract. Or I can toss it on a 0% interest credit card, pay off a chunk of it with selling my Nexus 5 and pay it off in a few months. And not be locked into forcing myself into two years of an extra $25/mo on my phone bill. The freedom of no contract just feels nice. It's worth the extra money up front (and seems like I'm saving money in the long run). I understand why some people do it, but I just can't do it.