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That’s fine, I’ll just buy used phones instead again. I will never go back to using big carriers who want me to pay twice as much as a MVNO.
You can still buy unlocked phones, you just can’t finance them with Apple Card monthly installments.
Couldn’t do it to myself, there is a reason MVNOS are cheaper they get deprioritised access to the network and the big one they collect all your data for selling.