Back in 2012 apple won a UI patent and we know how those megacorps do. No idea to what extent but that sorta stops any big contenders on copying them. The multi year contracts are a meme from the past but it’s the same sort of people who aren’t techliterate enough to learn a new UI, that keep with the contracts.
They sorta are, plenty of options for cheap quality untilited phone plans out there even with international included and very few people actually need a state of the art 1k phone to make payments on.
Don’t get me wrong, I’m not policing how people should spend their money. All I’m saying is that plans are from the past and don’t need to exist, like faxes.