Your discussion is fine for a young healthy pilot. A lot of the people who can afford to put a couple of hundred thousand dollars into a car are older. Their kids are out of college, their houses paid, they're comfortaby retired. Many older people are taking medications, specifically blood pressure medications. Many of those medications interfere with normal mechanisms of the way we deal with local blood pressures in various regions of the body. The 25 year old healthy pilot's homeostatic mechanisms will react almost instantly. Not so the guy taking a couple of meds for blood pressure. Some people get lightheaded with postural changes. That person may well get lightheaded with accelerations in excess of 1g.
There are many conditions that alter one's homeostasis. Consider a pregnant woman. The gravid uterus can compress the vena cava reducing blood returning to the heart. That characteristically happens supine but it is a risk with her seated and under hard acceleration. She undergoes numerous pregnancy related physiologic changes, changes that have been finely honed over many many thousands of years of evolution. None of those changes have prepared her for multiple gravity accelerations.
Dehydration can do it. Hangovers. Drug use. Some people have dysrhythmias. A fib interferes with the heart's ability to pump. Previous heart damage, unrecognized heart disease, uncontrolled blood pressure elevation, some lung problems, electrolyte imbalances, anatomic differences, and on and on.
It is fine to figure a healthy person can withstand 3g acceleration. These cars for the most part aren't going to pilots. Many will go to those of us who have spent our youth and now are just a bit less tolerant of the enormous internal fluid shifts associated with sudden violent acceleration.
I can floor the acclerator on a P100D, and for me it is downright scary. And if my passengers just knew just how lightheaded I got during that acceleration, they'd be frightened as well. Damn frightened.