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There is no free-market system solution to stop people from being a horses ass behind the wheel.
We have limitations in dealing with buffoons or low IQ people who are among the public, therefore laws direct a lack of common sense.

We have to have people seat belted up behind the wheels of cars, there can be no other way.
Doesn't take much of a hit to remove a driver from behind the wheel unless that belt is on.

If there is no belt and an accident begins:
#1 Babies go flying.
#2 Adults go flying, crushing children and others.
#3 A bump in a minor accident could dislodge a driver and send the car on to kill someone, whereas if they were belted in, they would remain with the controls to help stop further destruction.

I've been hit by a drunk driver as a kid at 45 miles per hour at a red light.
Being belted in, I was (despite a broken neck) able to still control the car in a straight line to avoid injuring another.
If I had no seat belt:
#1 I would be dead and had worse injuries (I was told by police)
#2 I would have been removed from behind the wheel from the jolt and would have become a moving missile out-of-control that could have killed others (IN THE NAME OF FREEDOM?)

No, you are wrong, this is not a free-market issue.
This is a responsibility issue.
You may move to an island if you wish to drive without seat-belts where nobody cares or is inflicted due to your choices.
In a population you have to be more responsible because what you may decide is a form of freedom can very easily be an uncontrolled deadly weapon.

We must agree to disagree on this one issue...sorry.