When there is an opportunity to keep wealth in the family then take it. When you take out a loan or when you buy goods and services the money you had generated gets funneled outside of your network. Although it isn't ideal, it would be better to spend money or use your wealth to improve your local economy by supporting your friends and family. When you deposit your money in a bank, you're allowing the bank to give access to investors that want to take on debt. Those investors may not share your interests or the interest of your family. That is why you should look for opportunities to keep money circulating in the family and create inflows of wealth. Generate wealth from regular jobs and services, but create financial services for your family to rely on. That is how your family can build generational wealth and strong financial trust.