I would distinguish a phone from a device. The phone is physically at you, so if you can reflash it, then it can be yours. The bank is someone elses hardware. What I am saying is, that reusing these devices without being forced to buy a new one, could lower the barrier. But on the other hand, would be nice to financially support those companies by buying their products who has a similar worldview as us. So we make a difference by financial incentives.