In the US, usually the government ends up paying for folks that aren't covered by insurance, and when the insured run out of coverage, the government takes over. So it does effect everyone.

The airbags in the US are much stronger than in Europe, as they are design to save (prolong) the lives of folks not wearing seatbelts. However, they explode with such force that they injure and sometimes kill those of us that do wear belts. My car had a generation 1 airbag in it (the strongest explosive) and after seeing the damage it did to another car of the same year and make, as the result of a fairly minor crash, I removed it.

I think that everyone should have to pass a comprehensive physics test involving many questions about unrestrained loads before they can get a driver's license.