I find it hilarious that you just rip into my phone despite never using it yourself, doesn't that reek of hypocrisy? Yes, I have used an iPhone and I wasn't overly impressed, yes you can have apps but unless you jailbreak the thing, apple have you by the nuts. As for wishing I could own one, I can EASILY afford one many times over, but I'd rather spend the money on other things. I didn't even rip into it, I said it offered poor value against it's other competitors which is a well known weak point and you can only counter it with "LOL Sony Ericsson" despite my crap phone having a much better camera...
My phone: Nothing + £17.50 x 18 = £315
iPhone 3Gs on a similar contract to mine: £275 + £35 x 18 = £905
Not really worth the extra £590 for me in my eyes and considering the HTC and other rivals work out a lot less, I can't see how you can say the iPhone isn't shocking value for money.
As for the apps you can get with the iPhone, it usually boils down to a lot of rubbish with a very small amount of useful apps.