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I no longer think I know much about money and investments.
I try to be frugal, and just deal in cash these days. If I have extra money I just sock it away in a safe deposit box so the government and other people can't track it. (These days you don't lose any or very much interest doing that.) I usually pay the total for purchases up front or on one of those interest free 90 day things, and avoid borrowing money. The reasons are many and varied. If I can, I pay for things and services with things and services of my own. I trade a lot. No taxes, no record.
I lost a lot of money in the dot.com bust and more in the housing bust. I have been cheated. I bought a few houses for some ex-wives, but I have already covered that.
Anyway, I think the carriers are using that old plan of "trying to make up for losses on each unit, with volume." Even I have learned that doesn't work.
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