I think you overcomplicate it a bit. Vehicle users already have a lot to do they don't need a excel ark dropdown when they simply have to lock blueberries out of their tank.
In a desperate moment when they need to recall their vehicle really fast but the blueberries don't want to jump out they don't have to fiddle with a minor excel ark just to lock them out.

I think simply 2 states are enough.
1. locked for everybody.
2. Locked for everybody except squad members.

These 2 states could simply be put on the drivers fly wheel simply selecting one would turn it green meaning that lock is active. Selecting 2 at the same time would just turn the other off and activate the one chosen last.

I hope something like this is implemented soon.

From System Options Menu:

Vehicle Drivers Allowed: YOU ONLY, SQUAD, TEAM
Vehicle Gunners Allowed: NONE, SQUAD, TEAM
Vehicle Passengers Allowed: NONE, SQUAD, TEAM

This would reduce an inordinate amount of frustration.

When you approach the vehicle permissions are displayed. For example, if you are a valid passenger only:

Driver: Locked
Gunner: Locked
Passenger: Allowed

Press [O] to enter

If a Merc is not eligible to interact with the vehicle they see: "You are not authorized to interact with this vehicle"

If a red berry hacks a vehicle it is set to allow all team members to drive, gun, and ride by default.

+1
And I don't even use vehicles.