I have been a MetroPCS customer since the Nokia bar with a flashlight :) In all my years I have never encountered a fraudulent facility. I walk in with my Penny Saver, cell phone ads out. $ 29 the ad states. The employees however said $ 79??? «Why the jump?» I asked… Then I was spilled a hustla story«You cannot purchase the phone without an insurance plan due to the low quantity we have» I’ve bought phones here previously never encountered an issue with an insurance plan. As a matter of fact I have always been given a free phone case. Needless to say I got the same phone $ 57 out the door no insurance required I buy a new phone every 90 days. They lost a valuable customer :(