Here is an example of how it works in Denmark:
https://www.telmore.dk/t2/shop/shop.do?shopUrl=product.actio...
The slider let you choose between low initial price, high monthly payment (top position) and high initial price, no monthly payment (bottom position).
No matter what, the phone is always unlocked.
The only exception is this one
https://www.telmore.dk/t2/shop/shop.do?shopUrl=product.actio...
which is only sold with a high monthly payment, and locked for six months.
So I don't really see Apple as saving us from the tyranny of the carriers, in this part of the world.