You really think that your cell phone plan is "easy to understand"? What's your monthly bill going to be this month? I'll bet if you guessed each month in advance you'd
never get it right. My bill's usually within about 10% of what I expect... until it's not and I get the pleasure of spending an hour on hold trying to figure out what changed without my say-so. This fuzziness means I'll
never be comfortable buying anything from a cell provider, and so I'll never sign up for the $3 roadside assistance, or the $10 replacement warranty, or whatever.
OTOH, when I click "buy" on that 99¢ app I know I'll be billed exactly $1.07 (sales tax), not a cent more or less. A
Apple's completely nailed making me comfortable buying stuff from them. AT&T and Verizon haven't. Guess who gets my disposable income and who doesn't?