You can use a fighter bay without a crew assigned. I got into my fighter once thinking I had my crew active at the time, didn't realize it immediately, just clicked the option to launch fighter and boom, there I am, sitting in my fighter going . So switched back to the mother ship and checked to see why my crew didn't get in the fighter, I guess I didn't activate her. Anyway, my fighter was still flying around the ship, so tried to send it a command to attack, but only options available was follow or hold position, couldn't select any other option. So I figured it is possible to have a fighter bay without hiring a crew to man it, the fighter can then be launched as a decoy and take fire away from the mother ship, at least, for as long as it survives anyhow, wouldn't suggest you being in the fighter in this scenario cause then your mother ship becomes the target and all it can do is follow you or hold position.
But I don't mind paying the crew, I am a billionaire several times over so ain't hurting for cash, and my crew is Dangerous now and not too far from Elite, I started her from the bottom and she has made over 75 mil from me. I don't mind her getting a cut even when most of the time she is sitting in a station on vacation while I am using a ship that can't launch fighters. She really got a big payday when I took my DBX to Sag A. I jumped 866 times on that trip and got 8100 first discoveries in 700 different systems. When I sold all the data, made 279 mil, of course, the crew took her 9% of that and she was sitting in the station during that 5 week trip. Oh well, if she wasn't so cute I'd sack her too.