Last year, I visited the Judean desert and met with people who used a water pipe funded by UK aid money. Before the pipe was fitted, the villagers often had to go ten days without a bath. Now they can bathe every three days. They are also better able to water their vegetables and feed their livestock. The aid money has thus made them more independent, not less.
There is an excellent letter in today's Financial Times from James Skinner, a trustee of the New Economics Foundation, referring to the 'conspiracy of silence' surrounding the creation of money by commercial banks.