The webbing that makes up seat belt fabric has extreme tensile strength and is capable of supporting about 3000-6000 lbs without force.
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Government regulations for auto manufacturers don't use BMI to determine dimensions for seat belts. The standard instead says belts must fit up to a 215-pound man who has a seated hip circumference of 47 inches.
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.