> Refusing to wear a seat belt doesn't generally endanger anyone else.

What if people are in passengers’s seats? Their bodies can be launched with a lot of kinetic force killing people in the front seats. Eventually with enough force, the driver can be launched out of the car and hurt somebody else.

Granted, it is not always happening. The same way someone infected do not always pass the virus to somebody else before getting better or dying.

In my opinion the analogy is quite fitting. People think it is about them, not noticing how it can impact others.