So let me clarify. My wife’s and my introductory introductory sailing course was in a Red Cross program offered via a watercraft program at a college. She subsequently completed a Skipper Saver course offered by the US Power Squadron; received her completion certificate. Then, together we also completed a Basic Boating Safety course offered by the USCG Auxiliary—several weeks long. All within about a year. By this time, ca.1990, we owned a 20-ft boat with partners. Also by this time, we were chartering at least once a year from a local (independent) marina/yacht broker. Now, I believe each of those above programs are non-profits. To my knowledge, ASA is not. When I say “commercial” that is my contrast: non-profit versus for profit.
Also, I am not critical of the ASA curriculum specifically. I’m critical that with some 300 affiliate schools, the organization is beginning to dominate the entry-training pathway. Compared to the programs mentioned above, it is expensive and has been merged to a certain degree with charter-boat businesses which have opened on-site schools, etc. Folks appear to be willing to recommend ASA to newbies simply because they know of it, rather than knowing anything about it, etc. I just question whether, on the whole, this is good for sailing—helps or hurts.
Prior to ASA’s large presence now, charter companies did their own evaluations. I’ve taken more than written “test” to qualify for a charter. Had more than one skills test on the water. Even now, a prospective charterer must submit a resume that is reviewed/approved by the insurance underwriter, so I’m told. I think the charter companies know that a 100-ton ticket is largely by exam. There is nothing about sailing, lacking an endorsement. I do not think a company would do what you hypothesize.