What's funny is that you don't realize that this is the private sector at work and flourishing. These laws were made because some lobbyists, paid by private insurance companies, went to the lawmakers, because these same companies were tired of paying for health care related to these things.
C'mon, do you really think anyone in the government cares if I die in a car crash because I wasn't wearing a seat-belt? Nope, but the insurance company that would have had to pay out the settlement sure does.