Because if they didn’t they wouldn’t be very useful restraining people in a crash.
If you mean to ask how they do it, there is a mechanism that spins as the belt extends, flinging out an arm that catches on a toothed housing. This locks it in place as long as tension is applied.
Such a mechanism allows you to pull the belt out to put it on, but also stops you from going through the windshield in a collision.
Imagine you get into a car crash. Your car stops where it is, but your body keeps moving until it hits something.
If you weren’t wearing your seatbelt, or its retention mechanism failed, then you’d fly forward and crush yourself against your steering wheel or the passenger dashboard or against the back of the seat in front of you.
Instead, the seatbelt is designed so that if it experiences such a rapid motion, it locks itself so that you *don’t* fly forward.
They stop when you pull them hard because the mechanism that makes the seatbelt lock up during a crash is (usually) a simple one that can’t differentiate. Basically, inside the mechanism there’s a U-shaped or J-shaped channel that belt runs through with a ball or roller inside, and the channel gets narrower near the top end. Normally, gravity keeps the ball near the bottom of the channel, which has lots of room, so the seatbelt slides right by when you pull it. But during a hard braking situation, the momentum forces the ball upwards into the narrow part of the channel, and the seatbelt sliding forward at that same time will lock it into place. However, because of the simplicity, if you pull the belt quickly, the ball won’t have time to roll, and will instead get pulled upwards into the channel, causing it to lock. This is also why you get issues in older cars, because those channels can get dirty over time.
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