That is not an accurate analogy. Holo-me is not a multicrew feature.
When you say high percentage, do you mean that most commanders belong to squadrons with more than 3 or less than 3?
I suggest less than 3 because, imo, this game has very soft multiplayer experiences relative to traditional AAA mmo's. A single visit to any hub in a major mmo is a shocking reminder of the multiplayer emptiness of even the most populated hubs like Shin where seeing 10 in the station instance, or sc instance is typically the max.
Squadrons are intended, by definition, as a multicrew feature. Specialized chat, rosters, roles, ranking etc. are multicrew elements. Fleet carriers are linked to squadrons, not individual accounts. However, these tools pale in comparison to those in Discord or AAA mmos. It is definitely guild lite in ED. If you're in a large squadron, my bet is you'll still manage it in Discord.
No one in a game needs anything. There are simply assets you can grind for. Intent of ownership is up to the individual player. You're not one of those guys that whinges about player X not deserving a conda are you? Why put an artificial yoke on a Fleet Carrier? You'll never be invited into the instance to see it, it probably won't show up on your system map as a button since you don't belong to the squad. It won't affect you at all other than missing out on schadenfreude for punishing people without friends in their squads. You're better than that right?