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Just buy an unlocked phone.
When Verizon or AT&T sells you a $500 smartphone for $50, it's subsidized for a reason. They subsidize the locked phone, so they can recover the money off monthly bills. Additionally, as the article says, AT&T will unlock your phone for free when your contract commitment is done.
If you don't like that deal, then just buy an unlocked, unsubsidized phone.
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