It sounds like you’re comparing a 2-row SUV with a 3-row minivan or SUV. In both types of vehicle, the 2nd row is easy to access, but the 3rd row isn’t. The difference is that minivan seats are more easily removable or fold flat. The solution is to just use the van as a 2-row vehicle (with more cargo room, better efficiency, and lower cargo floor than an SUV), or only keep rows 1+3, which gives you basically infinite legroom.