Everything in engineering is a tradeoff in design.
Seatbelts work very very well, the chance of an injury due to a seatbelt jamming closed is tiny compared to the number of saves from wearing one.
As an engineer, I agree 100% that every design is a compromise. But I'm still not convinced that it is impossible to bias that compromise just a little bit more towards robustness.
And no one need worry that I'm not going to wear a seatbelt for fear of it jamming - I understand physics!