The idea is that the chocolate is produced under good working conditions. One of the things we learn is that chocolate gelt coins are "meant to represent the coins that once were given to children as an encouragement for their Jewish studies." I don't know about that, but I'm sure the "once given" part is wrong. Actual spendable money is currently, right now, given by many Jews to other Jews (especially but not exclusively, parents to children) on Chanukah. Why not start doing that if you don't do it yet?