Like I said- it's not so much the phone but rather the software token itself. Outside of the development cost, they have an infinite supply of software tokens, and it costs them basically nothing to give you one. physical tokens have to be in stock (and this has been an issue before) and have to be physically shipped to a physical location- making them much more expensive to deploy. It's not just you that saves money, its SE- Most likely the reason they did it in the first place, given their financial condition.The reasoning floating about that phones have a cost to them, I will probably never understand.