No shade on you man, you were young, just wondering if any who isn't being scammed ever chooses to use that service or of it's basically dedicated entirely to facilitating scams.
It can be used to send money to people that don't have a bank account. These people sadly exist, like some of my family. That said, being pressured to send them money by them lying could definitely be considered a scam :)
I was around 12 or 13 and saved all my money for a PS2. Found one on eBay (using my fathers account), won the bid, transfered the money and just never got it. No PS2, no money. But I learned very early not to trust people on the internet. Guess that was worth the price in hindsight.