You're dead so your money is no use to you in the afterlife. What do you care if they scam you or not.
So you give your money to your family. Money you worked hard for and they sit on their ass to claim it because that's all they care about.
So, you have an issue with your loved ones making use of your money, without earning it.
But you're happy for a company to take your hard earned cash and not care for your body??
And maybe this is the big difference here. I have people who I care for, and who care for me.