This only helps the credit card companies. There definitely should be an exception to force unlocking if you are on a payment plan. And it will make it harder

This only helps the credit card companies. There definitely should be an exception to force unlocking if you are on a payment plan. And it will make it harder for the poor and those with bad credit to get a phone. T-Mobile for instance will let you finance a phone regardless of credit once you have been a customer for a year. I believe that some of the MVNOs will even let you get up to a midrange phone like an older iPhone as long as you stay with them for a few months. They would only do that if it’s locked.