Credit worthiness for relatives

I wish there was some system which could add logic behind financially helping a relative. Like a bank won’t loan u if ur credit score is bad… And this system should be so integrated that the borrower doesn’t feel bad about it. Bcoz I really feel bad that if some relative has made certain decisions in his life due to which they have to face the consequences… They should only expect help from others where they have had good borrower/lender relationship. I don’t mean we use this system in case of medical emergency… But I feel bad that someone else’s life has to degrade just bcoz of emotions and bondage. So I wish relatives would build good credit history among others in good times. By which it’ll be justified to seek help in bad times. How do you guys handle braking in financially helping out a relative without burning bridge? Bcoz again, in ur bad time this relative can support u. But u never know if a good time is gonna come back for that relative. Just sharing my unstructured thought. And I am sure this problem is common.