The article gives a "typical cost" of $3-5000 for a Japanese person keen to show their generosity. It doesn't make it clear the policy will pay out anywhere near that much (the British policy we are given a direct link to covers a lot more than holes in one, but pays a maximum of £200 on alcohol only for holes-in-one, at an overall premium cost of £49.95 per annum)
Even if the $3 premium really is a one off fee which covers $3000 worth of celebratory cruises (both of which I doubt), an amateur golfer with a 1 in 12,500 chance of getting a hole in one and enough disposable income to join the sort of golf club that expects celebratory cruises probably shouldn't bother.
My understanding of the article, in the Japanese case, is not that the club requires or expects this sort of thing. This is a cruise for the "lucky" golfers friends and family and is more a societal expectation for whatever reason.
Even if the $3 premium really is a one off fee which covers $3000 worth of celebratory cruises (both of which I doubt), an amateur golfer with a 1 in 12,500 chance of getting a hole in one and enough disposable income to join the sort of golf club that expects celebratory cruises probably shouldn't bother.