2024 Contact relationships, many to many

I'd like to create reciprocal relationships between father - child - grandchild - referrer - Beneficiary of life insurance etc - so many to many.

How do I do that?

My research shows me that I should be looking for a subform or multi-lookup.

However, my version of Zoho CRM doesn't have subforms or multi-lookup, just single...

Can anyone tell me how to do this? and preferably so that when I say the person is a Father, they are automatically loaded with a child - the reciprocal relationship.

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