The first thing to acknowledge is this post/thread is 3+ months old. It also is apparent he didn’t search for newer discussions and solutions. It seems evident it’s a rant or possibly a troll. So, let’s go with the benefit of doubt.
Here’s what we know 3+ months later. If you purchase an iPhone from Apple to finance via ACMI, the iPhone will not be locked, it can be financed, and all is good.
Is the process as easy as before? No, it requires a minor work around, but GS is more than happy to assist. The easy way to learn the work around is to search and you’ll find hundreds of posts on Facebook, Reddit and in this community on how to bypass the supposed activation issue. The only real issue is the carrier needs to support eSIMs. Not all US carriers support eSIMs.