Yeah, I disagreed with OP too. Good family or not - I think if you are the only fiscally responsible person in your life then it is probably a good thing to demonstrate that for others. When they have an emergency and have to scramble, when you have an emergency and have savings, subtle comments about saving up for this or saving up for that when they'd be thinking about how they just bought it on credit; any of these might be the example that someone needs to flip from irresponsible to responsible.

I messed up my credit when I was younger, pretty badly. It went down into the low 400s. I didn't really care though because I'd learned to live within my means. When I decided I wanted a house I realized I'd have to play the game. So, I sat down with a banker and we made a plan to repair my credit. It only took a few years, during which I saved up my down payment. Now I'm in my house. I share the details of the process to any of my friends who ask because I can see the example is working on them. They want houses now too and a shitty credit score isn't a good excuse for renting anymore. They want a savings because they can see how I've been able to use mine to make tough times not tough.

Loans? Not a problem. I don't make loans and anyone who has asked me that question knows it. I give gifts. If someone needs money they have to take it on the condition that it is gift. That limits how much I'm comfortable with giving and it puts them in the position of accepting charity. It has limited the requests very well. I know that some of my friends have struggled through some difficulties that I might have helped with. I don't think they begrudge me that though, I think they are glad they did it without me.