But I don't want to be treated like family. In particular, I am not ready to have the same level of obligations towards my employers, even if these were reciprocated faithfully. I have my own family to which I'm always going to have a stronger loyalty than to any employer.

A company as a group of close friends? Be my guest. A company that pretends that we have bonds of blood, or are married? Not for me (unless we're actually family, as in family business).

Differentiating between them is impossible until things go wrong. They can treat you as family 99% of the time, but when the options are: take a pay cut or fire some employees, in my experience everyone goes with the latter.