I have a cousin in USA, and last time we talked, she told me that she and her husband pay 120USD per month (total) and they get nice mobile phones and awesome Internet. She compared that to Serbia where she considered mobile rates to be extremely high, since we pay everything by usage. In the worst case, we pay about 0.05 per SMS (only sent one, receiving is free); we pay about 0.20USD per minute of call (receiving call is free); Internet can go up to 0.60USD per MB. But with some extra "packet add-ons" you can lower your SMS price to 0.01USD, calls to 0.01USD for certain numbers and you can get Internet for 0.02USD per MB. And everything is still without any contract, just via buying some coupons on the kiosk (or on ATM, or in bank, post office, via Intenet...).
In my point of view, this is actually a better deal than 60USDx24 months to get a telephone which I can buy for 300USD (and you can always buy it on credit card if you don't have enough cash). Even with worst case scenario here, it would take me quite a calls and SMSs to make bill worth of 24x60-300 = 1140 USD.
Is there a way to get pre-paid number in USA and how much they charge per minute and SMS? Can you buy decent DCMA telephone without contract?