T-mobile, of which I am a customer, offers something that none of the large US carriers offer - a monthly discount if you own your own phone rather than purchasing a subsidized phone (of course it is not the easiest thing to find on their website).
That's fair enough. The normal on-contract rate is subsidizing the $300+ discount on your phone. If there's no phone to subsidize, it's logical that the subsidy gets bounced back to you.
