I strongly disagree. If I made a mistake while driving a car that results in a crash, without a seat belt I could be responsible for the death of one or more individuals which could have been prevented if they were wearing a seat belt
Just wear a seatbelt and put on that helmet.
That doesn't mean it's wrong, just that I find it wholly uncompelling. And I don't exactly oppose seat belt laws either, I just find this justification, uh, perverted maybe? Bizarre? Utterly unconvincing.
Why would you want to subject your friends and loves one to that type of phycological suffering?