It shouldn't be the drivers choice to wear a seat belt any more than drinking and driving or driving with your eyes closed or driving dressed in a Klansman's helmet throwing lumps of pork at passing Jews.

I'd make it so the car won't start until the driver and all passengers were belted in (there must be an engineering solution to idiots drinking and driving too).

If you don't like commercials, why don't you switch off your television set and go outside and do something less boring instead? (bolded as it was ironically the title of a UK kids television show).