Plans are also just generally a good way to hide the actual cost of the device. Notice that, when you walk into a Verizon store, they aren't saying "BUY PHONE FOR $760!" they're saying "A New iPhone for just $32/mo!" So most of these people aren't going "Oh MAN only $760 in the end?!" they're going "I can afford $32/mo!"

My point is, it really doesn't matter what the reality of the cost/loan is, people who think "$30/mo! I can do that!" are probably not also going to think $200 seems like a good price for basically a cable to plug my phone into my computer.

Obviously, your other point was that it could come with a plan too but that seems doable but also there's yet another cost on top of the phone they were just barely justifying already. I'm not saying you're wrong but I think the price of this device is ridiculous.

I might pay $80 for it if it were really something I needed but, as others have said, I don't carry my phone around to be a computer. I carry it to be a phone. On top of that, I never really have a situation where I've got a keyboard, mouse, and monitor just sitting around waiting for something to activate them. So I'm not sure when I'd use this anyway.