To have an effective 3 point belt system would require a heavy duty roll-bar system installed to attach and anchor the over-the-shoulder belt. That seems to be a significant modification when considering attaching to the frame, and additional bracing needed to brace up the roll bar itself. Then you have the liability issue of some local shop representing that these heavy-duty modifications will actually hold up in an accident, let alone basic manufacturer's warranty problems arising from cutting into or welding onto the cart's frame.
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All of us could take a lesson from the weather. It pays no attention to criticism.
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