I pay for my Internet connection I pay 'extra' for the priviledge of AT&Ts voice/data on my Internet connection - not likely.
For 'just about anyone with WinMo/iPhone', just use WiFi + Skype. Skype = $36/year for dialout.
Or if ATT has their act together, they will simply let you use your existing minutes like Verizon and Sprint. Nobody is interested in paying more money per month just to have a femto. -- "You cannot help people permanently by doing for them, what they could and should do for themselves." -Abraham Lincoln-