When you ride in or on anything, you go as fast as it goes.

Take the simplest vehicle. Suppose it is just a seat on wheels.

Put someone on it.

Get it up to speed. Then stop the vehicle.

The rider does not stop.

The person keeps going until stopped by something. In a real vehicle, it could be the windshield...

or the instrument panel...

or the safety belts! With safety belts, you slow down as the vehicle does. You get more time to stop. You stop over more distance, and your strongest bones take the forces. That is why safety belts make such good sense.