I do not own a golf cart but do own an ATV and as others have said, the real problem can be the ramps "kicking" out when loading. I never load without backing into a ditch or up to a raised area. Even a foot of elevation will make a huge difference. Unloading is not nearly as bad because you are not apply power to the wheels while on the ramp.
There are many good, strong ramps available but make sure you have them securely strapped to the truck when loading. Once you have your system that is safe, loading will not be so bad.