Thats what I'm getting at it really comes down to the choice each individual wants to make depending on their own personal risk level. I would wear the belt no matter but I just don't like the fact someones taken my freedom of choice away so as to generate profit for them selves and other cronies. auto Insurance companies always made a fortune now in the las t 15 years they have tripled in size due to increasing cost to consumers because of all the points no seat belt no helmet no insurance then the consumer cost goes up in turn they become a more powerful influence on government. Banks are even worse and I really don't like the idea that they will profit off the money I have to work for thats the reason for decentralized system they can't fully guarantee our safety so what pay them.