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Originally, I used to upgrade Apple's portable products every year.
Anyway, Apple Pay offers 12 months interest-free.
However, seeing Apple's ridiculous price increases, even the Apple TV that hardly anyone uses has gone up 50%, and it's likely that it will never be lowered again.
I decided that I will never upgrade again.
We'll see in 2030. By then, AGI will probably be here, and there won't be any need to play with phones.
Thank you all.