First we're talking 2 different things when you are talking about the crop factor of a sensor and when someone is talking about a 100% crop on a photo.
Lets talk the easy one first. When you see someone post a photo and say this is a 100% crop...When you open a photo to view on your computer it is actually zoomed out so you can see the whole photo at one time on the monitor. So what someone has done is zoomed in to 100% so the photo is "actual size", but you can only see a small part of the photo, then cropped away the rest of the photo. This can be done on any type of camera no matter the sensor size. This is useful to see sharpness or other errors or variations in the photo.
Now a cropped sensor is another subject and I'm sure I posted a similar question to you very close to 2-years ago from this very day

and this is how I wrapped my head about it, I stopped thinking about it

I have a Canon T2i/550D and knew for quite a while that is all I was going to have so I stopped thinking about the big boy cameras. I started with a 18-125mm lens and learned what that does for me so when I go to look at new lenses I don't think about doing any math in my head, I just understand what that new lens will do. My next lens I bough was a 35mm f/2 so what I actually did was for a short period only used my 18-125mm at 35mm to see what I would be getting from 35mm. And yes your thought is correct. if I mount a 35mm on my T2i and a 5D the T2i I would need to step back a bit to get ruffly the same photo, but sometimes you don't have the room

Hope this helps!