Hi Listener! I've heard of all the other points you mentioned, but can you give me a reference about "not accepting financial aid from a non believing family member"?
I haven't heard that gem before, and the JW's I know have no problem at all accepting financial aid from wherever they can get it. In fact, it's usually the slackers and non-believers in a JW's family that are the only ones in a position to help. The uberdubs usually live hand to mouth because they have little specialized education and prefer menial jobs so they can work for themselves and have more freedom to "seek the Kingdom first."
I know there are exceptions, but I've seen this exact situation so many times I think it's safe to consider it the norm.