You can’t control what sense of personal responsibility people will or will not have. So saying that they “should” have it means absolutely fuck all.

A requirement for this safety feature would be enacted in order to prevent a large number of accidental mutilations. It might make money for certain people and they might push it for that reason, but that’s not the main purpose for enacting it.

I look forward to your complaint that you’re forced to spend money on seat belts you don’t need.