Being a constant help to someone forces them to be helpless, and eventually creates a person that needs help all the time. If every failure is automatically saved, every responsibility for their failures is taken by someone else, they do not get to learn from their actions, and the cost of poor decisions is taken away from them. It is not just a representation of their incompetence, but also that you are unwilling to trust or let them grow. Genuine help should improve their ability to face future without help.