@YammerPsaka @Playerinthgame It's complicated. There are a million layers, economic, historical, sociological, economic, political, etc.
The pure economic issue here is not actually moral hazard so much as adverse selection.
@YammerPsaka@Playerinthgame这很复杂。有一百万个层次，经济、历史、社会学、经济、政治等。
这里的纯经济问题实际上不是道德风险，而是逆向选择。