Let the hive mind of Engadget get that for you.
"I own an iPhone 3G and I'm looking for a decent speaker / alarm clock for it. I am going to listen music in a mid-sized room, so I want nice quality speakers with solid bass. I also want to use it as an alarm clock, so it would be great if there is such a feature. The price can be low-mid to mid-high range. I was looking at the Klipsch iGroove SXT; it's powerful, slick and the reviews are good, but it doesn't have an alarm clock feature. It's no deal breaker if I can set it up from the iPhone, but I'm not sure. Thanks!"
Look. Lots of cell phone companies retain exclusive rights to a certain make/model of cell phone. It becomes an exclusive perk of that particular carrier.
Apple has an exclusive agreement with one carrier in regards to sales and activation of the iPhone. One carrier. That's it. The consumers who purchase the iPhone know this and it's in the T/C's for the iPhone activation. As soon as people start skirting that agreement, Apple has a responsibility to AT&T to make it as difficult as humanly possible for iPhones to be sold under these false pretenses.
Sure, it sucks that cash/gift cards won't be accepted anymore. The young people who have been saving their allowance for months and others who just don't use credit cards are getting a raw deal.
So, in short - thanks for ruining it for everyone else, folks.