In terms of accountance rules - they obviously differ from country to country. In our country, for Instance, there are no state rules forbidding help to congregation members. Which is more there are rules to make it properly from a legal standpoint.
Nevertheless, the borg policy is to have cash flow go only into one direction (guess which one:) ).
In the congos I know, there was no single case of helping ill jdubs from the congo funds - but in the times before 'the rise of theocracy' we could just collect money for someone who is sick bypassing the donation box.
Such a policy has resulted in deaths that could possibly be avoided - but who cares :( .