You are correct. There exists at least one Thai lady who gets money from a Farang who does not "lend" to their Thai boyfriend.
Of the ladies I know who receive money from sponsors abroad, there is maybe one who went home and does not have a Thai boyfriend (that I know of). That one wants me to come visit her, though.
If I run through the others, they are all involved with another man in some form of relationship. One lady I know who is sponsored up now can afford to go with young Farang men who don't pay her.
One lady who is sponsored by a Farang who lives in Pattaya went to Brazil with me for 3 weeks (!). Since she told me that he is a sponsor, not a boyfriend, I was okay with that.
Bootom line: if you are not in Thailand, and you send money to a lady, you are a chump. Even if being a chump makes you feel good.