I personally do not like to take pictures of people, I did bring my camera to a funeral of a relative ( I was one of 2, so I wasn't alone). While everyone was singing Amazing Grace, I was happily shooting away until someone growled something into my ear about bodily harm if I didn't put the camera down.

So I shot more discretely. But throughout the ceremony, I got some absolutely wrenching images of relatives lost in grief during the funeral.
Do I consider that exploitive? Perhaps. I've never shown them publicly, not even to family. I think they are one of those things best kept hidden.
But that moment of mine was more of me shooting when I shouldn't have been. Perhaps I was uncomfortable and started shooting to take my mind off of the events at hand. But there was no intent to profit (monetarily or otherwise) from those photos.
Exploitive photography in my opinion is more of an intent to profit off of somebody else's condition (usually tragic). Sure it makes a good picture, and that's why you think you can profit from it. But I do draw a distinction between catching a moment and shooting it, and actively seeking out a situation. I guess I'm rambling.