I agree. I would be fine with them keeping the current D1 crossover rules for D2 (no more than 2 teams, no more than one level up or down), then making D1 just like NCA rules. Same level, no more than 5 per team, still max 2 teams. And Worlds crossovers only to J5 for D1, but keeping current rules for D2. I believe the only difference between the 2 right now is that D1 you can only go up or down one level, where there's no limit for D2.
PS: Are there gyms that put athletes on 5 teams? The max is 3 at one comp, but I guess they could schedule different teams to go to different ones, but that seems insanely complicated.