I actually sympathize with their business model. In the end, a business is to make money. They are charging people with ridiculous prices because the risk of them failing to pay is ridiculous certain.

It really goes to show the culture of poverty, and how hard it is to break from it. These people simply do not have the means or even the faintest idea to better their situation. It is very, very sad. They have no chance of breaking away from this vicious cycle. It is a major societal problem.

This business model is exploitative and downright evil. But they are not the problem. They are merely the symptoms. Getting rid of those rent-to-own shops won't fix the broken system.