> now when you have people smart enough to wear seatbelts
> without it being a legal requirement then i'll agree you dont
> need to regulate it

Trouble is, there'll always be people with the (rightly or wrongly)
bolshie attitude "no bloody government tells me what to do" with
regard to seat belts, crash helmets and other preventable health
issues

In that case, taking the extreme Libertarian point of view that
everyone is responsible for, and takes the consequences of, their
behaviour, do you enforce user-pays ?

IOW, you KNOW, unless you're exceedingly stupid or blinkered
(but we all make genuine mistakes or have lapses of judgement,
although the end result is the same) that if you speed and/or drink,
don't belt up and crash you'll probably be unnecessarily injured
and incur extra medical costs and use up resources. Should your
actions be a burden to others ?

And on top of immediate costs, you could also factor in things
such as lost productivity. How do you redress that ?

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