Comment Re:Insane Credit (Score 1) 477
I do think you're trolling, but I'll bite.
I didn't say the first thing about the costs of the cell phone companies -- they are really irrelevant to my point. The point is that people can run up basically unlimited unsecured debt, regardless of their ability to pay. This puts people in the bad position of choosing between paying an unreasonable amount of money for service, and defaulting on a debt (and having their credit history tarnished). Maybe the cell phone companies don't need to collect because the service didn't cost them that much, but they are clearly profiting off some people paying these ridiculous bills (or paying a discounted, but still ridiculous bill).
I've always thought that it would make more sense to have progressive fees for cell phone service. So you get a base number of minutes and after that, each block of minutes would be progressively cheaper until they were eventually free. I think they could have a single plan, but I can understand why they'd still want to have different base packages with different cost/minutes. So if you got the cheapest plan, your base payment would be $40 and unlimited usage would cost $120. If you got the base unlimited plan, it would cost $90 or whatever. This would still let the cell phone companies encourage people to estimate their usage and sign up for a more expensive base if they were more intensive users. But it still has a reasonable max for everyone. The fact that you can rack up thousands of dollars in charges, when the unlimited plan costs a couple hundred, is abusive (and should be illegal).
-Esme