That is actually true. If your driving style involves you feeling those seat belts or situations in which you think you might crash, the your driving style is too dangerous. Once in a few years close call? ok. Regularly feeling like you need seatbelts? You should not be driving and should take safety focused additional lessons.
It's not even remotely true for a car seat belt or a bike helmet. You can be extremely cautious, and still through no fault of your own have someone crash into you.
But no. If your driving style is such that you feel the need of seatbelt or helmet, then it is too aggressive. Otherwise said, if your biking story is "helmet saved my life 5 times" then your crash rate is super high and the common determinant is you.
Likewise, safe driving style never ends with anyone saying "I am so glad I has seatbelts". It ends with people unbuckling without thinking about seatbelts at all.
