Moral hazard is the idea that if you have this, whether the auto or health kind, you'll be less careful
There is 
some question about whether the government will have the will to... [DOC] [TLE] Chapter 20: The Problem of Moral Hazard [PAR] Without insurance, you would lock the bike because the expected benefit of 
doing so is ... in the probability that you will have to pay $100 to replace a stolen 
bicycle.