"Anyone stupid enough to drive without wearing a seatbelt who is injured in an accident deserves what he gets, ..."
"You assume that 'they' are stupid. Many have good reason to refuse to wear one more than just the fact that it's none of the government's business and outside their authority to demand it."
Yes, you're correct. My mother doesn't like them at all because she has "claustrophobia" issues, if that's the right term (and she does have claustrophobia - she doesn't like to sleep on the side of a bed which is close to a wall). In any case, it's related. She doesn't like being "strapped down" - that may relate to the way she was treated by a surgeon at a hospital as a child. (They lied to her about what where she was going, then as she realized the lie they were strapping her forcefully into the surgery guerney, etc.)
So there are people with emotional/mental issues who get wacky over things like this.
You don't have to have 'issues' or get 'wacky' to not want to wear a seat belt.
There are instances where a seat belt can do more harm than good, so it's a matter of weighing the odds.