Trains are far less likely to be in accidents then cars. Train crashes are extremely rare while car crashes are quite common. And when there are lethal train crashes the types of injuries we observe are very different from the ones in car crashes and seatbelts is likely not going to save many lives. The forces and types of impact is just so very different. It might even be argued that seatbelts makes it harder to evaccuate a train in case of fire or other hazards and may therefore cause more deaths then they prevent. Either way it is not worth the discomfort and cost that seatbelts have.
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