Two links to relevant posts...http://www.hobiecat.com/forums/viewtopic.php?f=15&t=39913&p=162131&hilit=crossbar#p162131http://www.hobiecat.com/forums/viewtopic.php?f=15&t=11944
If you look at the last several pics in the second link, you can see what appears to be happening is that the bottom edge of the crossbar wears into the bottom edge of the hull saddle (where the cast aluminum shoe mounts). Once it wears through the glass here enough, the fiberglass "hump" starts to break free and as it moves around, the glass on the outside of the hump begins to crack. By the time you see cracks on the outside of the hump, there is already more significant damage hidden by the crossbar.
I would definitely recommend removing the front crossbar and reinforcing both the outside of the "hump" as well as the bottom edge which is hidden by the crossbar. It also leads me to think that the next time I have my boat apart, I'll probably hit the cut edges of the crossbars with a file to make them a little less sharp and a little less likely to cut into the glass.