Why aren’t car-like 3 point seatbelts used in planes?
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A car’s seatbelt is designed to hold you in place in the event of an accident, typically a very rapid stop. They hold your body in place so you don’t go flying through the windshield. A lap belt is not ideal because your torso will fly forward which could damage your back or neck (or head if it hits the dashboard).
Airplane seatbelts are meant to hold you in place during turbulence. If the plane crashes (or has a “very rapid stop”), there’s not much a 3-point seatbelt will do to save your life.
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