Now you'd hope that it would be a small percentage of the population that would be affected by this but it's not.

尽管你希望只有很少一部分人,存在这个问题,但事实却不是如此

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They have to contend with something called moral hazard, which is the risk that people will be affected by the fact that they're insured and do something bad.

保险公司必须应对道德风险的问题,也就是说,有些人可能会因为购买了保险,而动了歪念来骗取保费

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