I am not an electrician, but when my home was remodeled in 2000, it required a main panel upgrade. I understand that under current code each major appliance requires it's own dedicated breaker. i.e., AC, refrigerator, range/oven, microwave, electric water heater, washer, dryer, etc. There is also a limit to how may plugs can be wired onto a single breaker. It makes sense that 120V circuits have breakers separate from the 240V circuits. A qualified electrician would be familiar with all current codes and can remove any immediate fire hazards, and re-wire the home to current safety standards. Of course, you should get multiple bids from several electricians to perhaps save some money, but every electrician that sees your wiring would come to the same conclusion - it's a fire waiting to happen. I wouldn't sleep at night knowing what you've shared about your electrical wiring. We wouldn't want the next newspaper headline telling the story of how another EV household burned down.