Making someone wear them by threat of laws and insurers is their answer. Again the concept is great. The focus on functional comfort has been ignored for decades though.
I grew up on acreage with cows and horses. My dad used to let my brother and sisters and I ride home on top of the hay truck. We loved it because it felt like we were flying 12 or so feet up in the air going down the highway. Even new cars when I was little didn’t have seat belts. So up until they made it mandatory I wasn’t in the habit of wearing a seat belt.
I don’t think it is comfort... I think it is largely habit that keeps people from wearing a safety belt. I don’t know that it should be the law except that laws do help people like me change their habits.
You're used to wearing the thing. Now that I've brought it to you attention you're likely gonna start noticing just how many times you have to reach up and pull the shoulder belt off your neck unless you're about 6"4" LOL.
BTW I used to wear them long before it was law.