How do you justify jour monthly rental premiums and expenses???????

How do you justify your premiums and expenses? we are looking to rent to buy because cannot get finance through a bank, so did inquiry about a vehicle that is being sold for R94 950 but my monthly premium will be R7900 a month, The monthly rental amount alone is R5968 and insurance is R1989 this is for a 2012 Fiat 500 1.4 If I rent the car for 60 months I will have paid R 358 080 for the car. That is more than triple the car was being sold for. And also you Charge R6000 for Road worthy, license and registration, does this R6000 include the yearly renewal fee? not that will even be around R2800 for the 5 years. This is really ****ming and exploiting people that are in financial difficulties and cannot afford something else. And what I read on the reviews that people are paying more on mechanical issues on the cars. You should give people the option to get their own insurance if they don't want your insurance as they maybe already have their own insurance and can just add the vehicle to that because the average insurance premium for this vehicle on person driving it is R800 to R900, same with the license renewal and stuff, since also reading just getting the license disk and stuff is an issue.