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It seems to me that a carrier should be able to lock a subsidized/financed device until it's paid off. That makes it possible for people who would otherwise not qualify for financing to have relatively up-to-date devices.
A carrier should not be able to lock a device that's paid off for any length of time.
I would generally agree with you, but in this case, Verizon has already been subject to such a rule for over a decade as a condition of the 700MHz spectrum. Verizon does offer subsidized/financed devices like the other carriers, it just doesn't SIM lock them beyond the initial period.
Given this data point, I think it's a good idea to expand to the other carriers.