I think you have a confusion with the concept. Just because you bet $0.20 and win $99 does not mean that the RTP is greater than 100. What RTP means is that the larger the sample size, the closer the actual results will be to the expected result. If the RTP is 95, out of every $100 you will receive $95. Does this mean that if you bet $100 today you will receive $95? No. You could win $2,000 for example, but the RTP would still be 95.
If you keep betting $0,20, when you have bet a total of $1,000, quite likely the difference between the expected return and the actual return will not be that much, and if you bet 10,000, it will be even less. You don't need to bet that much in a session. The total betting history counts.
So if you keep betting $0.20, and if at some point in your life you have wagered a total of $100,000, the total winnings you will have received over that time will add up to a figure quite close to $95,000. We could introduce bonuses, cashback or promotions into the equation, which increase the RTP, but just to give you an idea.
Btw, did you get cashback in your account today? I was under the impression that I have received cashback today but I couldn't see the transaction or sth in my account and the support girl in the chat room didn't understand me correctly.