I believe seat belts work best when the vehicle impacts a front end object and somewhat less with a lateral (sideways) impact. They obviously are far less effective when the vehicle experiences a rear end impact but in either case, barring a fire, the benefit is they at least keep you in the vehicle. Anchoring seat belts to the floor pan can be adequate if large pieces of 1/8" to 1/4" thick "washers" are used; say 4 x4 or 6 x 6. As well, and as mentioned, one can use a steel angle fitted between the nearest frame members.