I like frictionless Fi is. Phone breaks? No prob. Grab a cheap Moto phone from the Fi store listing, get it in the mail the next day, and setup in 5 mins. Go over on data? No prob. Pay a prorated price at the exact same rate.
I remember a post Msoft Dev wrote about adding a fairly simple feature to a web api. The code itself could be written by a single dev in a day or two, but the logistics needed for testing, documenting, supporting and communicating this involved hundreds of people with thousands of man hours. It also would bind them to maintaining this feature almost indefinitely. Because of that last point alone it took months to years to get a signoff on features.