I do not think this analogy makes a lot of sense. If you do not wear a seatbelt - you are not, generally a bigger risk to others on the road or near it, but to yourself, but if you are not wearing a mask during this health crisis - you are a bigger risk to others around you.
There are Federal Motor Vehicle Safety Standards regulations - which means that no new car can be sold in the US that does not pass these regulations - and while many of these regulations (like crash protection) are for protecting the driver/passengers - there are a lot of them (brake, steering systems, lights etc...) which are there to protect others.
If the federal government can regulate safety standards in vehicles to protect other people - there is no reason it should not protect people's health during the pandemic. If this is something that requires congress or an executive order I really do not know - but the analogy made above - is not good enough, imho.