Correct, my viewpoint is that seatbelt laws are a good thing. Your insurance company will make you pay more for not wearing seatbelts. The math dictates it. I have no way to make you pay more (other than raising your taxes which you may or may not pay depending on your income). Thus my only recourse is to make you wear a seatbelt via a law that my representatives in the government impose and enforce. Do I have any business making you pay for not wearing a seatbelt (via fines or higher premiums)? Yes, so long as I am on the hook for your medical bills. The waiver I mention is fictional not only because we could never enforce it, but also because the medical staff admitting you takes an oath to treat you. However, my argument is that the waiver is the minimum requirement for the financial math to work out. Therefore seatbelt laws are in place for a reason, do more good than harm, and are absolutely in my right to demand of my government. In that sense my argument is absolutely sincere.

On top of the above, I spent many years in a country with a poor healthcare system and lax seatbelt laws. The results were not pretty.

Lastly, in your original post you seem to suggest a possibility that the government telling you to put on a seatbelt is somehow comparable to being a slave in the early days of this country. If that really was your suggestion, I am not sure how to respond to such misrepresentation of reality.