While I think the points about liability and age have a great deal of merit, the biggest problem is your experience level. You’ve recognized this problem, but you really don’t know what you don’t know. Regarding experience, your aviation inexperienced parents don’t know either.
When I hear some of the stories of friends who have flown with other adults with limited aviation experience, I often cringe as it reminds me of the lessons that I experienced and were lucky enough to get past, but they were doing it with passengers who also didn’t know any better.
The insurance companies are no dummies, and I think they have the 400 hr demarcation for rate changes. The IFR rating is no doubt an important aid to getting the invaluable experience quicker.
It is hard to resist flying passengers until you have reached the 400 hr milestone, I certainly didn’t, but in retrospect it would have been safer. Prior to that though, get your IR, pick your trips carefully and reduce potential complications that you hopefully have the experience to recognize at your level, the main ones being weather and aircraft limitations with passengers and loads, especially weight and balance and density altitude.