T-Mobile, AT&T oppose unlocking rule, claim locked phones are good for users

This is a good way for Ars to generate clicks and a more honest headline probably wouldn't move the needle much, but it's worth being clear for HN that the objection here is not that locked phones are good for consumers, but that the subsidization deals locked phones enable are.

They aren’t though. Subsidized phones are like monthly car payments drive up costs and are targeted at people bad at math.

If consumers paid out of pocket for their phones then they would be more picky about upgrading and plan prices. It would also make upselling shitty plan features harder so the carriers would loose a lot of money.

Monthly car payments can be good, though, as opposed to paying cash, assuming you can get a reasonable rate of return by conservatively investing the cash in a fairly liquid investment.