That's because your family is not a bank and will never be. I'd rather remove family wealth entirely than make it a bank.
A family paying to have a member become a master at something seems like its realistic. A really rich family paying for a temple to be built but with the family name being published at minimum upon construction or some other mark of the family paying seems realistic. A rich family funding a younger family member (under 40 for instance) when they don't have an estate or its providing a really small amount for a little while seems reasonable/realistic. If the family is paying for things (or giving limited amounts a week when in need) it's not acting as a bank to instantly make a family member rich, so these three suggestions seem good albeit off topic from the feature request.
How do you know only 20 have? We only see the top 20, for all we know there are another 50 families but a handful of gold behind them.
Because Kwanstein has been stating false information. The top 20 for wealth are not all maxed out.
