Years ago, I experienced having a sheet of MDF fly forward off my roof rack when I had to stop a little short. It sailed right over the hood and narrowly missed some people in the cross walk. Not good. That image is etched in my brain.
2 problems: my driving, and the load not being securely tied.
The rack was the type of thing that clamped on the rain gutters (remember rain gutters?) The MDF was probably tied on with rope or the freebie plastic twine the lumber yard had. This was a long time ago, before I knew about ratchet straps.
In subsequent years I have successfully used a cross-wise version of the Dan Pattison rack in the youtube above on my minivan. It attached to the lengthwise rails, which I think is stronger than attaching to the crossbars. The 2x4s were about 5 feet long, plenty to loop ratchet straps over sheet goods. 4 straps altogether, 2 lateral and 2 lengthwise.
It was pretty secure, for the short, low speed drive from the lumber yard to my house.
Currently I get my plywood partially cut at the lumber yard and haul it inside. For lumber, I can get 10 footers inside if I take out the middle and rear seats, a big job, but worth it. I'm jealous of those with minivans whose seats stow in the floor.