We then also have to pay for all of those idiots hospital bills if they survive, and their funerals if they don't.
No, we don't. We choose to.
We have to pay for the cleanup of those crashes, the police to cordon off the area, the firefighters to put out the burning wreck, and we all have a longer commute to work because their brain takes longer to pick up from the roadway.
I'd be curious to see how much more effort it takes to cleanup a wreck, of the same magnitude, when the driver doesn't wear his seatbelt. I suspect it's not that much, but...I'd like to see the numbers. Do you have any links?