I couldn't agree more. The only thing that I can see that is good about seat belt laws is that we the people will be paying less for someone who injures themself in an accident and carries no insurance. But that is the only thing I can see good about them. I'm referring to adults of course, since children aren't able to make these decisions for themselves.
You do not have the right to drive, it is a privilege, and to keep that privilege there are rules to follow.
"Adults" being our rulers and "Children" being us.
That's what they think, anyway:
"It struck me as I was speaking to people in Bangor, Maine, that this president sees America as we think about a 10-year-old child," Card said. "I know as a parent I would sacrifice all for my children." -- Andrew Card interview in Boston Globe
http://www.truthout.org/cgi-bin/artman/exec/view.cgi/26/6080/printer
You're not paying a penny less, you have only been convinced that the ins co won't charge you a dollar more.