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It is kind of hilarious that airplanes are seen as being safe and reliable, when if they were given the same factor of safety as most other consumer goods, they'd never get off the ground from being too heavy.
I do NOT recommend you do this, but if a ladder says it is designed for 300 lbs, then it should carry 1200 lbs. 4X is a fairly common factor of safety for things like ladders where people's lives are in jeopardy. Most other items are usually 2X. (I want to point out that there are qualifications to this... static loading and dynamic loading are totally different things. Also a simple point load is not the same as a cantilevered loading condition. A new piece of equipment is not the same as one abused on the job for the last 10 years. All these things will dramatically affect safety ratings for things)
I'd say the difference is that every single part of an airline is carefully rated though. Everything that's supplied for use on an airline is expensive because of all the regulations.
A ladder may be rated for 1200 pounds, but nobody inspects every single use-case for that ladder and ensures that the entire system always has 4x safety. Once you buy the ladder it's up to you what you lean it up against, etc.
Regulations and quality checks on aerospace parts is no joke. More so on stuff that goes out into space and on military hardware, but every single nut and bolt and everything in between can be traced back to a supplier and that supplier will be able to tell you when it was made, by who and even where the raw material came from and show you the certs. Regular airplanes not nearly as strict or as much paperwork, but it isn't that far behind, quite honestly.
Also, you might be surprised by the testing that ladders go through. Not so much the cheapo Chinesium stuff, but safety in all fields is no joke. It is too costly to skimp on testing.
I used to believe this, but recent incidents have exposed systemic issues in engineering and QA at at least one major US aerospace manufacturer.