I think the meaning was that most Americans resent that they are basically forced into a contract in order to get the plan and device they want. I would rather bring my own device, but the only carrier available to me (until recently) was Verizon, and they won't let me do that. So I (at one time) signed a contract, but I would have been happier to simply pay for the device of my choice and paid for service month-to-month.
To extend this to your analogy, I was forced to take out a mortgage despite having the cash to buy the whole house outright because the person selling the house wouldn't take cash.
Why can't you buy your own devices? I live in the UK and have always bought my own devices, it often works out at about half the price over the term of the contract.
UK (like most of the world) uses GSM. With GSM your identity is linked to your SIM card. Put your SIM card in another phone, and "you" are still "you" as far as the phone company can tell.
Verizon (and most of US) uses a competing "standard" called CDMA, where your identity is coupled to your phone. Which means you have to involve your phone company in order to switch phone.
It's technically possible to "unlock" a CDMA phone, but in the USA, CDMA carriers refuse to unlock a phone on their network. And even if you did get an unlocked CDMA phone, the providers will refuse to activate any phones that were not originally activated on their network.
I use Verizon and they are always more than happy to activate my CDMA capable phone for use on the Verizon network - which I have been using for a very long time and live contract free this way. I also use a very old completely Unlimited plan, so buying a phone from Verizon would cancel this plan and force me on a new contract.
Anyhow my point is I have no problems adding a personal device to my plan anytime - many times.
To extend this to your analogy, I was forced to take out a mortgage despite having the cash to buy the whole house outright because the person selling the house wouldn't take cash.