It's a proven statistical fact that seat belts save lives and decrease injuries.
I agree 100% that it sucks to be told what to do by the State, and that we should not have to nanny one another - but you could consider that there is likely actual cost associated with your demise/serious injury due to not wearing it, and at the least we are decreasing the financial/time burden to the society.
We have several EMS folks here. I am not one. For those, I ask - what is the typical difference in amount of time spent on a scene that involves not belt vs wearing one? Cost in cleanup?
Or, any medical professionals want to chime in? Consider medical costs. What is the average bill for a belt vs non-belt injury? That cost is absorbed by the insurance company or the hospital itself, which just means it is cared for by everybody else's premiums etc.
Also worth noting - many states have contributory negligence laws. I do not know in NC is one, I would not be surprised if so. In this case, your insurance company ycan deny coverage for your medical bill claiming you were at least partially contributing to the injury by not wearing a belt.