You could get a €2000 euro phone for €500, pay that up front, and walk to the local guy with a serial cable who unlocked your phone for €20.
A world in which telecoms can't use SIM locking to offer financing on ultra-expensive phones to people who would otherwise be bad credit risks sounds like an improvement to me. Most people who can't pay cash for a 2000€ phone are better off not buying one at all.