The utility is distributing the money – if you don't see it, then you are alright with the bank system, having a credit card and a bank account. You are probably lucky enough to be born in a country which is not hated by the whole world, so it is integrated in the global economics. So as national of such well-regulated and established country, for you letting money to flow free always sounds like fraud and grift, but to some it is a matter of buying food and clothes, and it is an only mean of international money transfer left because well they are in a different situation and the current world can not provide you with even basic economic rights without discriminating