This is actually very fair. When I got into horseracing like 10 years ago, when we would get an IRS type winner, there was a black guy there that would always cash the ticket for anyone under his social #. On a $2,000 winner, you give him the ticket and you got back $1,800. Whole track used his services and he basically made a living off of it. He would just hang around all day and wait for someone to hit a winner and offer his services.
This seems like a clean transition of funds what simpdog is offering. Best to remain a ghost.