> They benefit the poor customers in so far as the customers were in a voluntary transaction. For this to be true, the decision for transaction must also be we

> They benefit the poor customers in so far as the customers were in a voluntary transaction. For this to be true, the decision for transaction must also be well-educated, not just voluntary. And this is by no way ensured in poor countries. > It's not up to anyone except the buyer to determine how much utility they gain from a given transaction. As long as it is very likely that the buyer is missing important information, this statement is quite optimistic (if not an invitation for fraud).