Actually, you CAN go to any Cingular or T-Mobile shop (and those carts that are positioned in mall corridors) and buy a 'Starter Pack' which includes just a SIM card and the number (of course). It's a heck of a process, which includes you signing a contract of all things (even for prepaid), but it is do-able, and it works. If I remember correctly, I paid $15 for a Cingular SIM card last year this time when I went back home for the holidays.
Oh yeah, last time I was in Australia, you didn't get charged for receiving calls, or calling your voicemail. It's also like that here in South Africa. Not so with Cingular on prepaid.
The whole mobile system in the States is quite interesting, to put it mildly. Honestly, I can't see how people would pay good money and still have the carrier's logo plastered all over the phone, and that phones don't come unlocked automatically.
Hope Apple/Cingular doesn't go the cheap route and lock the iPhone; if they do, let them have the decency of not charging for unlocking (like in some parts of Europe, or even here).