somebody should open a new business to help our American friends with this situation, apparently they don't know when they get a contract phone they are taking a bank loan with a middleman(carrier) and ends up ripped off astronomically in any imaginable way
why not make some specialized service so people can get a 2 year loan to buy that phone they want without getting enslaved, or just far easier, go to the actual bank and get the loan, its even easier than that, you can pay with a credit card and tell them you want that purchase to be paid in a span of 18 months for example, which lots of people do when they buy a tv or refrigerator
and to answer the question; oh yes absolutely, I would "switch carriers" for a 2 cents discount, just like I would switch taxi services if I don't get what I want