It isn't that simple. We all pay for the idiots that don't wear seatbelts. How many do you think have medical insurance or pay their bill? We all pay for 'ones choice' not to wear a seat belt and incur 100k in medical bills not paid when the belt would have let them leave with a scratch. It is a rare circumstance that NOT wearing a seat belt is better than wearing one. If our society wasn't 'must medically treat regardless to ability to pay' then we wouldn't need many laws meant to protect.
Congratulations. You now subscribe to the thought policy that gave us seat belt laws, helmet laws for motorcycles, anti-smoking legislation and gun control. We all pay for your actions so we all have the right to limit your actions.