So the only logical way with the current rules would be 'Need' is for Players themsleves.
'Greed' for Conpanions.
I'd have to disagree, you need to address the issue from the fact there isn't a built in restriction. Therefore base rules are ANYTHING goes, you can't expect a PUG group to follow some unwritten rule. Guild groups and friend groups are always going to be different. It still defaults to a group leader to take 30 seconds to explain the loot rules and let people decide for themselves before starting an instance/flashpoint/quest