What I am surprised at is the fact that the parent literally says "I don't believe you" regarding something that I experience myself all the time.
It's like they internalized that doing so is not only rare -which it might be in their country- but just not at all possible!!
> Seatbelts are the perfect example - in my experience, a lot of experienced drivers don't bother
See that's quite my point. I don't doubt that people might not use the seatbelt where you live. But if you told me you "don't believe" that the vast majority of people use it here when I see it with my own eyes every day... Then I'd be indeed very surprised.
(As a side note seatbelt usage here in Switzerland is reported to be ~94% by the European transport safety council)
For me, its simple. I want to live. Checking my gear/wearing my seatbelt increases my chances for survival if something goes wrong.
If it takes 5 minutes to make sure you'll live another day, would you not take these 5 minutes?
Some people like risky activities because they don't want to live. It's a cultural thing.