I have been to a lot of safety programs in my 39 years with a utility. Seat belts and air bags can save your life from a 60mph head on collision. Most can just unbuckle and walk away. I know a state trooper who was in a high speed chase in a Ford Crown Victoria and ran off the road at 100 mph and hit a huge oak tree. Totaled his car, but he walked away. They do save lives, about 10,000 a year since before the laws were mandatory. However, I do see where you are coming from, It is your life, and your car, and you are the one to be hurt killed. Not really anyone else, except maybe your passengers if they don't have them on. It could be regulated by the insurance companies. No payout for accidents if you didn't have your seat belt on. No laws needed.