We already have a precedent of compelling parents to pay child-support.
I don’t know if I’m really advocating for a nanny state, but last month I went to the funeral of a friend that was driving without a seatbelt and was alone on the road. Now his pregnant wife has to raise their child alone.
I guess what I’m trying to say is: Wear a seatbelt.
You may not have any concern for your own safety, but there’s probably somebody who does.