The concept of exploitation is inherently paternalistic.
You're unfairly taking advantage of this person.
What does that even mean?
Taking advantage of their ignorance?
You think you know their priorities better than they do?
Taking advantage of their circumstances?
Unless you've personally imposed those circumstances you've done nothing unethical, particularly (as you've mentioned), if the arrangement you offer can improve them.
Exploitation is an asinine concept.
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It certainly seems to be becoming one they way it's being conceptualised lately. It often fascinates me how words can be moulded to become the symbol of something bad. Exploit in itself doesn't necessarily mean anything bad:
Exploit:
1. make full use of and derive benefit from.
2. make use of (a situation) in a way considered unfair or underhand
Then, of course, depending on how you're trying to define it, it can be unclear who is on the receiving end of exploitation if anyone is at all.
PS: I haven't heard asinine for a long time. I had to check it's meaning! :D Thanks, I love being introduced to new words, or even reintroduced to them.