Alternatively the control could be given to insurance companies. For example you get a lower deductible in an accident if you're wearing a seatbelt (or bike hel

Alternatively the control could be given to insurance companies. For example you get a lower deductible in an accident if you're wearing a seatbelt (or bike helmet or whatever) compared to if you're not. Insurance companies actually calculate the risks/costs, as opposed to governments cramming something resembling moral judgement (or just blindly perceived risk reduction) as law.