Yep, the way you currently have your harness configured is DANGEROUS. As already stated, you should go back to your 3-point belts until you can afford to do it correctly...just sayin.
1986 CJ7 Laredo - Auto 14k miles
1985 CJ7 Renegade - Auto 33k miles
1982 CJ8 Scrambler - T5 T-SPD