goverment should stay out of my life unless I am directly harming someone else.

Like... directly harming me by causing my insurance rates to go up because people not wearing seat belts usually have enormously greater medical bills that someone has to pay for?

And, no, these people do not pay for their own emergency room care. Their insurance companies do, whereupon they pass those expenses on to me. Or the hospital pays for it, whereupon they raise their rates and again pass those expenses on to my insurance company which passes them on to me.

Now, if you wish to pass legislation denying medical care and insurance to perople who refuse to wear seat belts, then seatbelt laws will become unnecessary. Until then, they are simply protecting MY financial interests.

tanstaafl.