Ok, but how is the person they are being generous to not benefiting from this arrangement as well?

Yes, and they've accepted this arrangement in exchange for some benefit. Why is this bad?

I'd recommend building an exploration mamba like this one, and hunting down stratum tectonicas. If undiscovered, they're worth about 90 mil. All exobio pays really well right now.

https://www.edsm.net/ The hub for most things exploration and expedition

https://edastro.com/ Maps, charts, graphs, and the home of Galactic Exploration Catalog for POIs

https://coriolis.io/ My preferred ship building site

Can you expand on this?

Just playing devil's advocate. But aren't two of your examples either on their way or in jail right now?