Recall though: this IS a nanny-state, along with several worldwide similar. Except that in Murica, since you're 'insured' [our Largest bizness?] -- absolutely Nothing is ever again 'supposed to go-wrong' ... Go-Wrong cha cha.

Arrayed against Free Will(ful-ness) are the Forces of those same Insur. Cos., natch wanting everyone to buy lots of their wares: and need fewer and fewer payouts, because everyone Must use seat belts
[and, they Must! actually--or those n+1 airbags may well not save your sorry ass, as you tumble about.]

That so many do Not voluntarily choose to use both: helmets/seat-belts, even-- I attribute to the Innumeracy, the Dumbth and ignorance of all science/physics, especially.
A visceral appreciation of merely F=MA, would cause one to never forget to use such minimalist protection.
Alas, here--the heaped dead bodies illustrated countless cases where either prophylactic most likely Would have cheated death/maiming/Reagan-brain syndrome.

It's a philosophical argument. We don't Do philosophy here; maybe better in Oz?