In my opinion, AT&T are borderline draconian in their policies.
A $500 deposit for opening a plan and asking for an iPhone? Ridiculous! Not getting it back for an entire year (and if you are late on one payment, they keep it entirely), also ridiculous.
I am currently a college student with a steady job, but not the kind of disposable income to warrant spending half of my months salary on a deposit, but I have the financial capacity to keep up with my bills, after all, I pay rent and bills at the house I live in.
Also, why did text messages double in cost? What possible justification can AT&T give for doubling the cost of text messages from 10 cents to 20 cents? After all, didn't someone say that text message cost for the providers is almost entirely negligble? (Link: http://blog.wired.com/gadgets/2008/12/text-messages-c.html)
(This may sound like a rant on AT&T, but much of it applies to all cell phone providers)