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"3. government does not have to pay disability for those who are in wrecks without their seat belts on, and, 4. government doesn't pick up the tab for all of the costs listed above.

Because none of these are true, I do not object to this type law."

Just because the citizens of a state, through their elected legislators, are dumb enough to enact such payment laws, does not mean that the "rights" of the citizens are now deniable or can be disparaged or diminished.

Repeal the stupid laws, but do not deny and disparage rights, that is what free people do, living in a capitalistic economy, in a constitutional republic.