So in reality you haven't even bothered to look into the service you are deriding?
Good to know. We love uninformed statements of fact around here... :-/
Let me give you some actual information to use in the future so you actually have a clue what you are talking about:
As stated below - the terms work out to the same or less than you'd pay direct from the manufacturer.
I paid $99 down for my One. Once my payments are complete, I will have paid $579 for the device...exactly what I would have paid for it outright.
The monthly bill is $50 (unlimited talk/text/data). The $20 payment is one you can drop at any time simply by paying it off. There is no lock-in on your contract as to the amount of time you must hold it. Once you've paid the cost of the device, you are done. You are not bound by any contract to any length of service.
Please make yourself a note to try and avoid making comments on things you know absolutely nothing about in the future. K? Thanks.