My thinking is on AI in the tanks is following:
Loader - you should keep (lets face it, noone ever would want that job, nor would you trust it to anyone)
Driver - while some (myself mostly included) questioning, i'm not caring enough to argue
Gunner - i'm voting for removing based on following argument: you alone, cannot man 2 guns at the same time outside the tank, you cannot simultaneously shoot the MG42 or Maxim + shoot your own MG34 or DP28, and you shouldn't be allowed that luxury in the tank either
I understand how frustrating it can be having a horrible squad mate, especially when you're stuck with them in the tank. However, it's still not a reason to have ability to lock down that tank. Because by the same exact token, you could have that terran00b with super system, load in before you, and take that exact tank you wanted. And he will not achieve anything, because he goes to take on Panzer head-on in T34, all round long, and you cannot do anything about him running into that stonewall all round long.
And if you would like to argue that i cannot compare the tank to a regular squad, lets have a chat about how useful it is to have four Anti-Tank rifles laying around and sniping people on the opposite side of the map from where the tank is.
Lets face it - we're in real world, not in fantasy perfect civilization. There will be tons of "useless" taking on the vital roles, throughout the game. I dont see how anyone be they tank commander (with first-5-minutes-in-this-game-driver-n00b), or rifleman (needing-the-smoke-on-objective-from-his-camping in-the-back-squad-leader) should get any preferential treatment.