stockguy99 if you think of it in a one dimensional space I would say you're right on. However, take a peak through my 3-D glasses and tell me what you see.
Family is a broad term but the FDA has provided us with an awesome brightline rule that states autologous CB is good for self, sibling(s), parent(s), grandparent(s). What about allogeneic within a family bloodline; heritage? You get more than one bite at the apple as an allogeneic (family-related) source of CB.
Let's put it into real world lango. Grandparents could have had more than one child; right? Those children could have married and had more than one child; right? The children from each parent could have had children as they grow older; right? It's called genealogy blood family heritage. Ever hear someone say, "You come from good stock?" Well, allogeneic (family-related) is the type of public-private CB I see happening here. That blood in a family tree from multiple sources under the genealogy is more of a match than let's say a donor-stranger with no genealogy. Using my glasses to see what I see explains how and why BCBSA insurance policies will cover donor-family and bio insurance. To keep it within the family. No anti-rejection or GVHD; genealogy.