The best version of the OP’s arguing is for individual ability and choice, and the ability of a person to make a difference of their own volition.

This is a fundamentally important right because without it, we are all automatons.

The issue is that in many cases we humans make bad choices, on a truly unimaginable scale.

This is also very much a part of being human - good choices exist only if bad choices exists.

The issue is that sometimes we can agree that people will consistently make poor choices, for a variety of forgiveable reasons.

While we could conceivably go after each individual, explain and educate them in precisely the way required to convince them that they should wear seat belts - it’s is often practically impossible to do so.

Which is why we introduce laws and regulations. All cars must have seat belts - and you must wear them.

Because as a species we are able to make meta cognitive calls or simply- decisions about decisions.

As a species we don’t want our people dying, for something as trivial as not wearing a seat belt.

It causes families to lose parents, parents to lose children - often because they were just at the wrong place and time.

Getting people to wear seat belts causes large scale good, over an individuals choice to put themselves and others at risk.