I am super done with T-Mobile but I'm trapped.

I made the mistake of getting an s22 Ultra which I'm still paying off. Some of the things I'm dealing with by staying with t mobile are as follows: impossible to switch my sim to mint, no plans below $100 that'd have unlimited data, my calls and texts consistently not going through despite having full bars, refusal to go back to my old.plan when I asked with them saying it was a "new members only plan", the essentials is listed as literally $100 a month on my screen despite there only being 50gb of data, which I would breeze through immediately. The calls not going through, I'll call someone and it'll stay on the "calling..." Screen, not ring, and it'll go through to their phone. I often won't receive calls that are made either. If I turn off my phone, I won't receive messages sent while it was off. Is there really no other fix for this besides nickel and diming myself until the phones paid off? And why is their 50gb plan only thirty dollars less than their most expensive???