Valid point, but I see no handle ties on most of those breakers, and there are neutrals terminated to the neutral bar, so at least some of those circuits are 120v.
I see neutrals double-tapped with grounds
I see the ground and the neutral bar connected with a jumper that belongs in a service panel only.
Obviously, no isolated neutral conductor back to the service panel, per OP.
Probably a couple more violations if we look closer.
**All in all, my answer to those “electricians” who say that a disaster that you’ve pointed out is nothing to worry about: Fine; If you’re saying that it’s OK, put it in writing onto your own company’s letterhead, along with your insurance policy and the license number. Can’t do that? I thought so…