To summarize the facts and recommendations from comments --
The present arrangement lacks a neutral wire for the furnace and uses ground as neutral. Bonding ground to neutral in a subpanel is against code. Using ground to serve as neutral is against code and dangerous.
You've stated that it would be easy to run a new 12/2 cable for the furnace, so I recommend you do that. Install a new 20A single pole breaker in space #5 of the main panel and either set up a new small junction box near the subpanel to power the furnace or make your connection inside the subpanel, using it only as a safe place to connect wires.
If the existing subpanel or a replacement in the same location is going to supply the EV charger with 240V, ground and no neutral, and the size of the existing 240V cable is adequate, you're almost there. Install the correct size 2-pole breakers in main panel 1 & 3 and in the subpanel if a cutoff at that location is required. It may be less expensive to use a separate cutoff with no breaker.
If the existing subpanel is not in the right location for the EV charger, you will be disconnecting, taping off, labeling and abandoning the existing heavy cable. Run your new cable (or conduit with individual wires) to the new location, install either a subpanel or a cutoff as needed for the EV charger, and connect your new cable to the correct size 2-pole breaker in 1 & 3.
Note that if it's within budget, a 3-conductor cable plus ground to the location of the EV charger will help to future-proof the install. If using a conduit and individual wires, size the conduit to accommodate a neutral wire at a future date. Your next EV charger at that location might require neutral, so try not to shortchange yourself by spending the minimum to get today's job done.
If you do run neutral to a new subpanel for the charger, then neutral and ground must remain separate there. You may have to remove a green screw in the subpanel that bonds neutral and ground. Check installation instructions.