I don't always bother putting a seat belt on, until my DP has a go because he will get fined, also.
They save lives, yes i know, but they are also uncomfortable, if you are small. There are places that i would always wear a seat belt, places that i don't bother putting one on, unless i think the police may be passing.
I grew up not wearing seat belts, or even a helmet on the back of my fathers motorbike, so that has influenced me.
I am disgusted by deliberate bad driving though, including steering with your knees. Bad driving has the potential to disable people, the death rate may be falling, but injuries are not.
Some accidents cannot be avoided, but most can.
It's risk assessment and only i will suffer, unlike not having safety equipment in the home etc, which is often argued against on MN.