>They offer financing, carrier-specific features like Wi-Fi calling and VoLTE, and even phone-specific features at times if you buy the phone through their stores.
What's going to happen when carriers shut down their 3g networks by the end of 2022[1]? VoLTE is mandatory if you want voice on 4g. If you don't have it, your phone drops down to 3g when on a call. Obviously that won't work if carriers shut down 2g/3g service.
[1] https://www.fcc.gov/consumers/guides/plan-ahead-phase-out-3g...