We have to then realize that there is a moral hazard problem.

我们还必须意识到,这里面存在着道德风险。

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.. It's not going to work, we're not going to enjoy-- something's wrong with that because it's going to create a moral hazard problem and we're not going to be as productive.

那样行不通，我们没法-,那样会产生麻烦,会产生道德风险,生产力也会下降。

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It does create moral hazard problems-- that's a problem with it, but that's something that we're learning about.

这会引发道德风险问题-,这是弊端所在，但这也正是我们要学习研究的。

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The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.

有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付

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