The reason that seatbelt laws are more common is that in a crash, your body (or parts of your body) are more likely to fly out of the vehicle if you are not wearing a seatbelt. This presents a risk to others around you, so not wearing a seatbelt is more than personal decision.
I think the most compelling argument in favor of helmet rules (given that on a motorcycle, you're flying off into other people whether you have a helmet on or not) is what was mentioned earlier -- the riders are much more likely to die and that can have adverse affects on whoever else was involved in the wreck. Whether it's legal (if it was their fault and they killed someone instead of just vehicular assault) or just personal (it wasn't their fault and they have a dead person on their conscience). Those are both very compelling to me.
HungryBologna: The laws against stealing from and killing others limit your civil liberties too in a basic sense. The reason that they're laws is because your actions can harm someone else. Same reason that attempted suicide is a crime... if you shoot yourself in a public place, the bullet can hit someone else, etc. That's the basis for the seatbelt/helmet laws along with the savings on health care, etc. that generally comes with these changes.
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