It not hard to guess why, you can assure that things become more expensive as time moves on, the value of your money only keeps declining as new bills hit the market thanks to the fictional money that banks print each day.

As to why we are charged with more and more fees that is to increase profit, because companies has this crazy idea that they need to grow more and more each year, and as you said everyone now on days own a phone they need to create their profits from somewhere else, before a lot of people didn't have a plan, now they do, so they only thing they can do is increase the prices, it is funny how the world works.