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> If we assume

You shouldn't. 16% of accidents are pedestrians. 8% are motorcyclists. 40% of accidents involve excessive speed or drugs and alcohol.

Accidents aren't a fungible item you can do this with.

> bag on the passenger seat since there's no software option to disable the beeping.

There is in the US for the rear seats. Additionally, you can just leave the belt always clicked in and just sit on top of them. There aren't many great technological solutions to human behavior.



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