Why call this situation an "exploitation" when all parties involved are better off from the transaction? And if it is truly a "life or death" situation, how is

Why call this situation an "exploitation" when all parties involved are better off from the transaction? And if it is truly a "life or death" situation, how is it moral to ban a life saving option? If Kenyans are getting life-saving money in exchange for their iris scan, how is banning this arrangement helping them? Aren't they in a better position than you, or government bureaucrats, to judge what is best for them?