Perhaps you took the meaning of "locked in" too literally? ETF for a contract is essentially a lock in. And i have no intention of paying the balance off the old phone in order to get the s8. Especially since every other provider will pay that off to switch. My point is why would i pay that device buyout with verizon, and then upgrade when another provider will pay the device buyout+ETF to get me to switch, and ill get the S8 through whatever financing i wish. Being that paying the buyout in order to upgrade is the only option with verizon currently.