I believe you are 100% correct.
Unfortunately I have little optimism about the FCC taking the consumer's side in such things with their current leadership. So my wife and I will probably have to continue to pay nearly $200/month for our two smart phones' plans.
There are of course cheaper secondary carriers, and other less featured options. But, with me working as a freelancer/consultant in IT, and my wife also working from home, trading some reliability for a cheaper rate just isn't an option for us.
So, somehow, the smart phone revolution has both freed and enslaved us.