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RE: Achievement 4 by @bambamaru2020 Task : "Applying Markdowns"
I think this is why we need transparency and accountability from these middlemen who will transfer this fund to these people in need as you stated with lack of knowledge of technology and other tools needed to access it.
With blockchain that records everything on the chain and transparent to everyone whoever can see this transaction, I think this middleman embezzlement problem can be solved.
Steemit platform and steem blockchain technology surely can solve this problem if deployed by the right and good persons.
Blockchain is certainly the solution. Which one and which community can actually realize it will soon become clear. The need is present and the underlying tec invented. Now it only depends on whether someone wants to build his new empire or if we can really start to use our development for our good.