I hate Rent A Center with a passion worked for the company for 5 years but a 300 dollars retail will not make 4000 dollars but they do require 4x's COST of item on any rent to own stuff. So a 300 dollar retail item (cost of say 250) made up will be 1k dollars on rto. Still ridiculous profit on a small item. The only way to get to some of the extreme high numbers of 4k dollars would be to be late on every single payment encuring late fees and interest even then i dont think it could be that high.
RTO/Check cashers prey and thrive on the poor and people who do not understand money and interest. I would say that in all honesty customer who walk thru the doors of those stores have a credit score average of under 580 pts. And the typical combined household income is under 30k. Just random useless information.