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The EFA plan is not rent-to-own. EFA plan amounts to a simple interest, no credit terms, purchasing option for consumers. Microsoft isn't going to recover the console if you opt out of the EFA plan.

Microsoft doesn't have deals with Rent-To-Own establishments. They, like any consumer, make the hardware purchase and then "resell" it under the premise of rent to own. If Microsoft was in business with rent-to-own businesses, then so too are Sony and Nintendo, because they off those consoles as well.

So the logic of the premise falls short. Rent to own isn't anymore of an advantage to Microsoft than it is to Nintendo or Sony. The EFA plan is, but again it isn't rent-to-own, as was pointed out in the EFA thread I posted.