Firstly, "how in blue hell I find the money" is nothing to do with you.
Secondly, I'm not tied into any contract. Do the mathematics, it's cheaper to buy a phone outright and pay a miniscule cost every month than it is to be tied into a long contract with a high monthly fee but a low initial outcome. I'm not stupid, I know how much it costs me and trust me, it's cheaper this way.
Thirdly, you do sound disrespectful. How people spend their money is, as per my 'firstly', nothing to do with you.
I've now heard yet another story as to how the phones are allocated. I asked in the Bluewater store and was told that people who reserve a phone on a contract get them reserved on a first come, first served basis but those who reserve one SIM free get them allocated on a lottery basis.
It took me ten days to get one reserved, a significant time saving on ordering online and having to wait three to four weeks.
This is the first time I've not pre-ordered for delivery on launch day simply because I wasn't around at the time. Next time I go for a new one, I'll be sure to try and be available for an early pre-order.