+1Pretty much on target, I'd say. The key fact about the phone market in the US (compared to Europe) is that the linkage between particular phones and individual carriers combined with the subsidization of phone purchases by the carriers undermines the capacity of consumers to make informed decisions.
Google tried to fight that model and lost. It's doubtful that anyone else will try in the short run.
So for those who enjoy having Verizon (or any other carrier) lend you the money to buy your phone, recognize that there's a price in terms of choice you're paying.