I think you're missing a big one that applies to most people I know:

- Locked into two year contracts where a phone upgrade is "free" every two years, but they are spending $100+ per month for that "free" phone

As a Canadian, I have a $50 plan with 12 gb of data (pretty good deal for here). If I wanted to get a new iPhone 13, I'd have to spend $300 up front (would be offset if i had an old device to trade in), plus an additional $33/month for two years, plus choose a plan that was at least $60 base. So I'd get a "free" phone every two years (as long as I had an old device to trade in every two years, and paid twice as much per month).

I won't do these things, so I have just replaced my $300 all-in phone from 4 years ago with a $400 all-in phone.