Because the seat belts in planes are not for collisions like they are in cars. Planes don’t really collide with each other or with anything else, that would often be catastrophic.
The seat belts in planes are for turbulence. During turbulence the plane might suddenly move and if you’re not buckled in then you might get moved out of your seat.
3 point seat belts are often used on the premium seats that recline, so that the reclined or lie flat position is also somewhat safe during turbulence.
The seatbelt is there to keep you from bouncing all over the cabin during a crash. Its not like a 2-point or 3-point seatbelt is going to save your life any more than one or the other. Keeping you from bouncing all over the cabin is more likely to save your life and others because you are no longer bouncing into other people.
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