What is the meaning behind passing the RTI?

RTI (Right to Information Act) was passed in 2005 which give the right to ask the government about the money that we have paid to government in form of various tax. I am still thinking that this act is really helpful?

If a person want to use these weapon first he has to fill Form No: ‘A’ 3(1) and submit it to Post Office after few days he will be acknowledged with it. But the question is that if our whole system is corrupt and huge amount of our money is in SWISS BANK in black form, so is this weapon is that much powerful that it will help a single person to fight for his money. We all know that at the time of robbery the thieves are fully prepared about the consequence of the same. 

Don’t you think just to be on the safer side govt. has passed this law to show fake transparency of their business.