That is honestly a decent analogy. So, on what rides is it ok if something goes wrong and a young family member is killed? Rust says, it is never ok so we won’t let you do it.

To use your analogy though, the issue is the driver feeling quite confident in their skills and rating the risk as low. Then a tire blows on a corner. Or somebody else runs a red light. Or, there is just that one day when an otherwise good driver makes a mistake. History tells us, the risk is higher than the overconfident “good” drivers think it is.

In particular, history shows that 70% of the real world injuries and fatalities come from passengers without seat belts. So, instead of each driver deciding if it is safe, we as a society decide that seat belt use is mandatory because it will prevent those 70% of injuries and fatalities ( without worrying about which individual drivers are responsible )

Rust is the seat belt law that demonstrably saves lives regardless of how safe each individual driver thinks they are. It is a hard transition with many critics but the generation that grows up with seat belts will never go back. Eventually, we will all realize just how crazy it was that they were not always used.