> when family members need some, they need to pitch how they are going to use it, and the expected returns.
If we're talking about money for investment purposes (you mentioned expected returns) then this is what's know as a "family office"
It's not really an old money thing. It's common for ultra high net worth families to establish a Family Office as a privately held company to manage their assets.
The Family Office runs like a business with a goal of maintaining and growing the assets under management. They may have full-time employees who are not members of the family at all, such as a CFO.
This isn't really related to family dynamics, though. Family members would have ownership stakes in the company and, therefore, proportional ownership of the Family Office's assets. If they wanted money they could sell some of their ownership to another family member (within the various stipulations, of course), but family members can't bypass the business and treat the family office like a piggy bank where they can ignore ownership structures and extract wealth for themselves.
This isn't really related to the "we are family" concept that that companies talk about at all. It's just a business structure that happens to be used by families to manage their wealth like a business. Individual's wealth is still their own to deal with as they please.