Payment Arrangements and Reconnect Fee's

I have noticed that T-Mobile has started suspending lines very quickly.  They use to contact you and send you text messages, but that seems to go out the window now.  You wake up the next morning and your phone doesn't work.  Of course, they always claim that it's because the bill is 30 days past due.  The other thing I have noticed is you can establish payment plans, but they don't stretch out to the day's you get paid, so you end up missing the payment and accruing more fee's which makes your bill more expensive.  Especially since their customer service has gotten worse lately where they don't give out credits for that anymore, at least for me.  I'm tired of trying to catch the bill up and it just gets higher and higher because I can't make a payment arrangement that makes sense and sets  me up for failure and more fee's, I think I'm going to have to research other carriers and start looking in to switching to them.  I thought after being with T-Mo after 10 years that it would count for something, but I guess not. ☹️

Anyone else have an opinion on this?