said by MaynardKrebs:Say you bring your own unsubsidized phone to carrier and sign-up to a plan - with or without a contract.
The carrier does not give you a better price on the plan even though they have ZERO risk of losing money on you due to any quirks in ETF's with respect to recovering the subsidy on a phone they sold you.
Anyone who BYOP to a carrier should never be subjected to ETF's and in fact ought to get a discount on the plan equivalent to the phone subsidy the carrier normally builds-in.
It`s not a subsidy, it`s a loan. And yes, you`re right they should not be forced to pay money on a loan that they didn`t even take.