My completely unsubstantiated two cents; I think having a good father figure, or role model, seperate from someone's biological or adoptive parents, helps in the path to one's maturity, although to say you NEED one to reach proper self-actualization is rather hyperbolic. I think Araki was taking a bit of the piss, considering Jolyne's unconscious state, that dream and the psychiatrist are probably reinforcing her own biases, and is likely just a literary device to bridge the physical and metaphorical gap between Jotaro and Jolyne. If not, quite frankly, this seems a yarn ball I'd rather not unravel.