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Why do we even mention any of this in a discussion about seat belts?
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The reason I mentioned it is because of someone else's comment.
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What you fail to recognize is that your "personal choice" has potential societal consequences. In other words, your decision to take that risk places others at risk and also risks financial costs which would be borne by society as a whole.
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I am in no way in favor of outlawing tobacco, alochol or any of that other stuff that was mentioned. I think people should make their own decisions about those for themselves.