Unfortunately, not wearing a seat belt isn't a risk borne just by the one in the seat. There have been cases of people flying out of their window and battering someone with their body due to not wearing a seat belt. Of course, everything carries a risk of harm to someone else, its a matter of where to draw the line.
What about having airbags? or driving a bigger car than everyone else? or not driving faster than 15, 30, 55, 70? Or not driving at night? Or in the rain or snow?
I always wear a setbelt and when I climbed was roped in, but to claim these generally acceptable risk mitigation techniques aren't subjective is just claiming your beliefs are everyone's beliefs. That's not true.
Calling them safe is an abstraction that simplifies the conversation. Seat belts are meant to keep you alive at all costs. Often they're very damaging. But calling them unsafe muddies the conversation.
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