You confuse how Squadrons ended up as, versus how they were originally presented. They weren't intended as something for individuals. And thus neither would Carriers have been under the original design. Did things turn out that way? No of course not and here we are.
You don't get.
1 person can create the Squadron, and even if it don't - you can always ask "help me to create a squadron" as other games do.
So If I want a personal carrier which is per-squadron, than I have to make own squadron out of 1 person and buy the carrier. Which blocks me from being part of another squadron.
And it would happen, TESO is full of fake guilds to have own guild bank. Even requirement to have 10 people to unlock does not help, they just lure newbies, some of them stop playing, and condition 10+ people to unlock is met.