Why we punish a person who doesn't wear the safety belt or hat when driving a
On the former question, how much I pay for car insurance is a function of how much accident claims cost insurance companies. People who do not wear seatbelts cause themselves greater injuiries, which lead to higher insurance claims, which lead to higher rates for me. So it's far from clear that one who doesn't wear a seatbeltharms only h'erself (even waiving the harm s'he might be doing to family and friends). The same is true in the latter case: It's not entirely obvious that people who abuse cocaine, say, harm only themselves. More needs to be said, obviously.