To quote Shakespeare,
A rose by any other name would smell as sweet,
but since this is politics it ain't no rose and it don't smell sweet.
No the money isn't put into the congressman personal account but the PAC is essentially a campaigning run by proxy. And instead of fiduciary reward other less formal forms of graft are used like their failure of a kid managing to make into a ivy league school, after a suitable donation is given to the university by a company wanting bill passed, high-speed internet may be installed in a senators home neighborhood, he may get high 6 figure sallery job no effort job lined up after his term is ended. Oh and don't forget insider trading is LEGAL for senators and congressman so a insider stock tip to them can make then rich with no repercussions.