Racecars and pilots use the same type of seat belt because they need to keep control of their vehicle/plane in cases of extreme maneuvers. It’s called a 5-point harness. Your average passenger car could benefit from this, but it would be highly inconvenient for the driver and passengers. This would increase the cases of people not using seatbelts at all. Imagine a woman wearing a dress; She wouldn’t be able to use a 5-point harness as one strap needs to be between the legs.