Marriage, money, and phone plans

There are smartphones out there for $699.99 (and probably more) that you can purchase for maybe $199 for a 2 year contract or $269 for a 1 year contract. There are still people who will purchase the phone for the full price because they cannot commit to one or more years. And this is why our credit card debt is through the roof, people have no savings, and marriage rates are current lowest of all recorded time. Of course, I mean not just buying a phone...just the mentality of people.