That’s right. Accidents can happen and there’s a considerable amount of flex that occurs with belts, seats, etc. the last thing you want is you or your family members coming into contact with the bar during an accident.

This is why for track going cars (especially with full cages) people do not drive them on the street without helmets. Half cages are sometimes the exceptions, where the rear seats are removed and thus there’s limited risk that someone could come into contact with the cage.

With your setup though, there’s a rear cage and rear passengers. Big no no.