https://www.accc.gov.au/media-release/telstra-to-pay-50m-penalty-for-unconscionable-sales-to-indigenous-consumers

For people who know as much about technology as most people in this discussion the thing to do if short of cash would be to buy a cheaper phone. I recently got myself a quite decent Note9 for $109AU and I could have got something even cheaper if I needed to. But many people aren't as well informed, the above article is one example of people who are less well off being scammed by a corporation.