The dev team agrees. And even under the new restrictions (which are extremely loose) it is absolutely still possible to do so. But family gold is no longer an endless fountain of free gold, which it was never intended to be.
The changes are contributing to the realism. And it is only untill recently that I discovered the restrictions myself as I relied on my family's gold reserve to finance my unit in Barca. But it is seldom that I ask for family gold. However, I can understand the need for it in Averoth to ask for some extra funds more regularly. But they will learn to live with it.