It’s a cost-benefit relationship. Since wearing a seatbelt is such a minor inconvenience (you’re already sitting in that seat), it’s an obvious thing to do even

It’s a cost-benefit relationship. Since wearing a seatbelt is such a minor inconvenience (you’re already sitting in that seat), it’s an obvious thing to do even though the risk is exceedingly rare. In a hypothetical case where a seatbelt cost an extra $100 to use, then the cost would probably not be worth the benefit.