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Why doesn't TM offer a discount for cash payment for phone?

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     Under the "new and improved" plan - TM allows you to pay off most of the purchase price of the phone over 24 months.  The total of the down payment plus the 24 payments exactly equals the total I would pay if I paid in full at time of purchase.  

    Am I missing something?  Is there any reason to pay cash up front for a phone?  

     IF I can buy a TM branded phone at a discount from a 3rd party (Costco, BBuy etc.) do I get the same support I would get if I had purchased from TM directly?   IOW, why should I buy the TM branded phone from TM? 

   The above assumes I am a current, long time customer who recently switched over to the "new and improved" plan.


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