Relying too heavily on traditional credit institutions will deplete your family of their wealth as the interest garnered from debts is all being sent to an already rich family of elites. Build your family by focusing on your family's financial needs.
Banking family's made their money by issuing loans to friends, family, and acquaintances of their friends who ran businesses. You can legally issue loans to your friends and family without any strong legal limitations, and as long as you follow tax protocols, the system doesn't limit your ability to issue credit. This is how your banking family can begin their first steps into becoming financially self-reliant. If you take out many loans from major banking institutions then the interest you pay is being sent elsewhere instead of remaining with you, your family and friends, or your local community. Most loans people take from major banks pay interest to communities farther than their own.
By utilizing promissory notes, fractional ownership, and zero-coupon bonds with friends and family, you can help them get out of debt with a debt consolidation loan. Maybe you can offer to co-own a machine, like a lawnmower, or a fast computer, and split any profits made from the good. Perhaps you need to borrow some sum of money and want to pay back the entirety of the debt with some interest after some time. Giving your family a simple zero-coupon bond can help make the process simpler and clear to follow.
Finding a penny on the floor a day can help build some wealth, ensuring that newly earned dollars only circulate between family and friends will help boost your micro-economy. Building a community of entrepreneurs will increase the demand for financial services. Provide it for your family instead of relying on banks that don't have your interests in mind.