That shouldn’t happen.
And it’s really, really unlikely that they left the factory that way.
So you’re basically down to three options:
- someone else has taken the cranksets apart and mixed in some incompatible parts - too short bottom brackets would do that.
- the bearing are so worn that the crank arms are wobbling around bad enough to be able to hit the frame.
- the bikes have been jumped, and the crank arms bent.

So, I don’t think it’s an issue with spacers missing.
Cranks can’t be removed entirely w/o tools
Cranks can be removed with other than the designated bicycle tools.
But the alternative tool might cost as much or even more than the correct tool.
A good quality generic bearing puller will cost more than a crank puller.
Work on improving your diagnosis first. Post pics. Then let’s talk repair.