I often think that the comments people make about "socialising" your baby by sharing them around (ie pass the parcel) are more of a comment about what they want, rather than what is best for your bub. If it were my baby, then I'd be holding onto her if that was what kept her happy & content, and definitely not worrying about what other people are saying. She'll more than likely grow to like other people & interact with them more as she gets older, but at 3 months, I don't think that it's entirely reasonable to put a baby into situations that distress her, even if the people wanting to hold & cuddle her are well meaning.