Here in Sweden carrier locks ended a decade ago.
And what are we offered now?
24/36 months plans of subscription and a okay payment plan for a +1000 euro device. iPhone 15 Pro Max is €1330 from the major resellers. With a 2-year with 40GB/ month plan it gives you a ~€200 discount on the phone.
If you're a student or senior you get much cheaper plans, and if you got the cash, it might even be better to buy the phone with cash.