I’m sorry, but a family with an EFC of $81,000 does not have has financial need, demonstrated or not.
If a family is complaining about not being able to eat out or go on trips with wealthy friends, they do not have financial need, demonstrated or not.
A family which is not willing to spend $5,000 to provide a kid with orthodontia so that they can spend $324,000 on sending another kid to the most expensive college in the USA, has “demonstrated” need of social services, family therapy, and having their priorities readjusted with a wrench.
You really need to learn what the term “financial need” actually means. I can tell you, though, what it does NOT mean. It does not mean “not having enough money to eat out at an expensive restaurant twice a week”. It does not mean “not having enough money to take an annual vacation at an expensive resort”. It does not mean “not being able to afford designer clothes in the newest fashions”.
It definitely does not mean “not being able to keep up appearances of being in the top 1% by income”.