Hardly anyone in the US pays full price for the iPhone up front. They either use 0% carrier financing - usually with offsetting credits - or through Apple.

I don’t understand what that survey question is supposed to be indicating. I have lots of disposable income, and by default I spend using a credit card.

US net worth at the 25th percentile is >$20k, it’s not the case that 32% of people literally don’t have the wealth to afford a $400 expense.

> $999 is a lot of money.

Which almost no one pays up front or at all in the US with the carrier deals and trade ins.

There sure are a lot of comments in this thread pulling out all sorts of random and arbitrary statistics that have no connection with what is actually being discussed here. I’m finding that very strange, frankly.

Installments?

Not when you will buy the phone on credit which many people interpret as getting it for free.