Just the Government looking out for us idiots, everyone knows were too stupid to make the right choices dontcha know?
You might think you're being facetious - but you are right. Anytime some idiot who doesn't wear a seatbelt gets in an accident, then the rest of us have to pay (either through higher insurance premiums or taxes for Medicaid/Medicare) to keep their sorry brain-dead ass alive. Or we have to pay for extensive medical treatments or expensive rehab - etc.
I think that anyone in a car accident who wasn't wearing their seatbelt (or a motorcycle accident with no helmet) should give up any rights to insurance-paid or taxpayer-paid health benefits.
Obviously some people ARE stupid enough not to wear seatbelts without being forced to by someone. (And who else would that "someone" be - if not the government?)