I think the application of James 5:14-15 is a bit forced in the modern scenario:
Is there anyone sick among you? Let him call the elders of the congregation to him, and let them pray over him, applying oil to him in the name of Jehovah. And the prayer of faith will make the sick one well, and Jehovah will raise him up. Also, if he has committed sins, he will be forgiven.
Because the verses appear to say that if anyone is unwell they can go to the elders and they will pray and pour oil on his head and he will be made well and if he has committed any sins they will be forgiven.
Yet the way Watchtower reads it, it’s as if it is saying that anyone who has sinned should call the local elders. First a couple of elders will discuss the matter to determine if it is a disfellowshipping offence, and if it is then a judicial committee will be formed. Then the committee will meet with the person to determine whether the person is repentant. If they determine he is repentant then they will pray together with the person, but it if not they will send him on his way without a prayer. No oil and no healing of any illness is involved.