RH is a beast in terms of their sheer size.
A few things:
Its unfair to bitch about low rates or being afraid that they will bill you are rates that are "too high". Every company is in it to make a profit. You can only worry about your rate, not the rate that is being charged for you. If your rate is acceptable to you its silly to be too wound up about what a company is paying for you. If you have zero experience you need to get your foot in the door somewhere.
They have FANTASTIC opportunities for operational type accounting positions (Controller, CFO, etc). I've worked with them in the past for that reason and although it was a totally different division I worked with I will say that I was treated very well. They get bad reviews because potential employees get upset when RH doesn't find them a job. But its important to remember that they actually work for the EMPLOYER. If they don't have an opportunity that you are a good fit for its not really fair to get super angry at them. They have way more applicants than they do open positions. That being said they help companies hire for positions that are otherwise not advertised. I got my current job on my own, but once I complete my CPA will be looking and plan to contact RH. I'll be looking for a CFO, Director of Finance etc gig- and those don't generally show up on Craigslist.
Any temp job sucks and ultimately any company that places temps will have an agreement saying you cannot be directly hired for x months (usually 6 months) unless the company pays a placement fee. I do not think thats unique to RH. Years ago I lost out on a job because I was placed with the company as a temp and although they wanted to hire me were not willing to pay 15k to do so.
A lot of it will depend on what sort of job you want. For someone like me having a recruiter is perfect and will always be my preference. Back when I was doing staff accountant type jobs, AR clerk stuff, etc things were different. I would NOT want to work with a recruiter in that sort of situation unless it was for temp work. Companies are willing to pay more for temp employees, but generally are not willing to shell out 20k to hire someone they could find themselves for 20 bucks on craigslist. However they are willing to pay 50-60k for a high level job for which qualified employees are harder to find.
It sounds like you fall into the entry level side of things in which case its way more unlikely that you would find a permanent gig with a recruiter anyway... So if it were me I would take any temp job they can throw your way and in the meantime look for a better job on your own.