Inspected a home today with 100 amp (finished basement) and 150 amp mains. 100 amp main had a sub panel off it which fed a small shop. Sub panel was supplied from main panel, tapped off bus using lugs BELOW main breaker. These Conductors ran to sub with no breaker where it tied into either panel at point of connection, but main breaker was protected by main cut off above tap. Is it illegal to tap off main panel below main breaker without use of individual breaker for feeder wires? Seems conductors to sub would be protected by main 100 amp breaker above tap in main panel. Sub is right next to main. See photos. By the way, I already caught to improper grounding and grounded conductors on same bus. Please advise. Thanks.