You make a point with "everyone on the team can buy the goodies ", but the same could be said about everything else other than magical items. Everyone could buy weapons, armor, vehicles, drones, 'ware, etc. And without having any Electronics skills, the only way to do anything Matrix-wise had to be done with an agent. I do see where you're coming from, I just don't think that commlinks are exclusive to possible "cross-class" abuse.