Some deliberately do it out of principle, despite knowing it's dumb. I have a family member who refuses to wear his seat belt simply because the government shouldn't tell him what to do. He knows it's safer, and knows that he'll get a ticket if he's pulled over, but won't do it, purely out of this weird, dogmatic anti-authority.

In the field of aviation, they study aeronautical decision making (ADM), and hazardous attitudes that prevent good decision making. The FAA identified the so-called 5 Hazardous Attitudes[1], and number one on the list is "Anti-authority". I wouldn't be surprised if this attitude is causal of accidents and negligence in other activities like boating and driving.

1: https://www.aopa.org/news-and-media/all-news/1999/september/...