If I go to Verizon.com right now and select iPhone 13 Pro Max I can get a base phone for $30.55/mo over 36 months. That is equal to 1099.8 which is the the same

If I go to Verizon.com right now and select iPhone 13 Pro Max I can get a base phone for $30.55/mo over 36 months. That is equal to 1099.8 which is the the same price (if not less) than the 1099.9 if I bought it out right. That $30.55 DOES NOT include the price of the contract, which costs an additional $85.00 for 5G Ultraband. I would have to pay $85 whether or not I bought a 0% interest phone, bought it at full retail or brought my own phone. So no, I don't see where the "double" is coming from. It's just math.