Lets take my money approach
You are in a car by yourself and crash into a phone pole
Situation 1: You wore your seatbelt, you have numerous amounts of injuries including broken bones from the seatbelt and lacerations from glass. You get taken to the hospital and FULLY recover in a years time
Emergency services, reckless driving citation, ER costs, meds, surgury costs, rehab costs......total cost? could be over 50 thousand, oh lets not forget the car
Situation 2: You didnt wear the seatbelt and and die....total cost? who cares your dead and you knew this because you decided not to wear a seatbelt, Even then theyll (the man) will probably end up going after your family to recoup some of the costs of something.
Truth is that they want you to live so that you can pay those bills and keep giving them money. They lose money when you die.