Not many of us are in Hungary. In the U.S., financing the phone almost always makes more sense (especially lately, in light of inflation). There are some plans

Not many of us are in Hungary. In the U.S., financing the phone almost always makes more sense (especially lately, in light of inflation). There are some plans here like yours, however. I'm on Google Fi and it's the same. Like your setup, by paying in monthly installments (with no finance fees) I also received device insurance at no cost. I would have purchased the phone outright up front, but it made no financial sense to do so. I don't understand any of it, except consumers here seem only to think in terms of how much they can afford per month, rather than how much they can afford (overall). Decades of cheap credit, I guess.