I always wear my PFD. I always wear seatbelts in a car. The personal
freedom argument against regulation is appealing, to a point. Part of
the cost of my auto, health and life insurance is the cost of risk
pooling because others are going to be "benefitting" from their
stupidity, at everyone's expense. Rescue resources, and insurance
benefits come out of everyone's pocket. If we don't mandate, let's
formalize the notion that if you suffer harm because of the lack of
seatbelt, PFD, etc. you lose (all, most, some?) of your insurance coverage.

Canranger44 wrote:

I have been over this issue many times with people who won't wear their PFD
but in the end I have gone the route of natural selection if they are to
stupid to wear it then maybe there is a greater reasoning involved so many
people underestimate Darwin's theory but the guy who doesn't wear a helmet
on a motorcycle or bicycle or a PFD in a boat might not be the type of
genetic material we want lingering on.