モラルハザード 道徳的危険
the lack of any incentive to guard against a risk when you are protected against it (as by insurance)
あなたが保護されている際の（保険によって）リスクを防ぐ動機の欠如
insurance companies are exposed to a moral hazard if the insured party is not honest
被保険者が正直でなければ、保険会社はモラルハザードにさらされる