Wisdom behind Murabahah Transaction

I have learnt that murabahah transaction is "a transaction in which an item is sold to the one who asked for it to be purchased". My question is: what is the wisdom behind it? Why can’t I go directly to the first seller of item? Why asking for one party to buy it first? I request this for better understanding.

Because he does not have the money to do so. Thus instead of 'lending' the money like the conventional bank, here Islamic Bank is 'selling' the product in credit with a mark up.

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