I am a person who has a and a money.
Not all bees live in hives with a queen. In fact, 90% of bee species are solitary. They live alone and, while they don't produce honey, are fantastic pollinators.
Many solitary bees like to nest in cavities, holes in wood, or hollow broken stems. Bee hotels are "ready-made" homes for these types of bees. By purchasing a bee hotel and maintaing it, you're helping out your local solitary bees and promoting pollination in your garden.