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Wow! I couldn't trust family that way. Once the Kindle is registered, it can purchase books drawn from your bank account.
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The people in my family that I don't trust wouldn't be wanting to borrow a book or books from me. The ones who share my reading interests wouldn't even think about buying something on my account without asking. Even if they did, it wouldn't be a huge problem unless they bought a ton of books. Our 1-Click settings pull from our Visa card, no way I'd link directly to our bank account.
And, at least on the older e-ink Kindles, they could be deregistered from the account, but would keep the books on the device. I've seen posts that suggest that is no longer the case for the 2017 Oasis, but have not tested it to see.