Many years ago, when I was a fireman, I got to pick up a young lady who had rolled the car, been ejected, and had the car roll on top of her. Brains all over the ground, literally. She would have easily gotten away with only minor injuries if she'd stayed in the car, i.e, been wearing a seat belt.
If you look objectively at accident and injury statistics, you will find you are much more likely to be seriously injured or killed by being ejected from the vehicle or going through the windshield than you are to be injured or killed by being trapped in the vehicle.
Having responded to a large number of traffic accidents in the era before air bags, I really doubt that a seatbelt could "cut someone in half". If there was enough force to push the belt through the person, do you think they would have survived hitting the steering wheel or dashboard with the same force? I think not.
I agree some of the early seat belt designs were hard to get out of in a hurry, but that problem has pretty much gone away. I've seen people walk away from some pretty bad crashes with only bumps & bruises from wearing a seat belt, and I've seen people die in otherwise easily survivable wrecks because they weren't wearing a belt.
If you have even the most basic understanding of probabilities, it should be apparent that your best chance of surviving or reducing injuries is by wearing your seat belt. I'll wear mine as long as I'm able to drive.
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