Shoulder belts are required for all seats in small, general aviation aircraft, and the FAA says they reduce major injuries in small planes by 88 percent.
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Your nearby cabin crew most likely will not be talking to passengers on take-off or landing, and you may think they are just thinking about dinner that night. This is what they are actually doing to prepare for the best outcome should there be an emergency evacuation. They are preparing to save lives.
In conclusion, flight attendants and pilots' seatbelts differ from those of passengers because of safety reasons. Flight attendants require the four points of the harness to hold themselves in place as their seats are often backward facing.