A. Billy chooses to pay a higher premium to his insurance company to be assigned to a higher risk insurance pool with other people who choose to not wear seatbelts. City's truck hits Billy, Billy is covered. Nobody's insurance rates go up except those in the high risk insurance pool, who chose to share additional risk.
B. Billy chooses to not pay the higher premium. Then, in violation of his insurance contract, Billy chooses to not wear his seatbelt. City's truck hits Billy. Billy can't pay his bills and is SOL. Bleeding heart liberals socialists are beside themselves with remorse at poor (and stupid) Billy's predicament, but can't bring themselves to donate their own money for his hospital stay. And one of them says, "Why, thereottabealaw..." The rest is history.
Needless to say, my Father was beyond any measure of strictness when it came to our family wearing seatbelts. That "loss of liberty" hasn't harmed me at all, and saved the military millions and millions of taxpayer dollars.