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。

youdao

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

耶鲁公开课 - 金融市场课程节选

"Every year there's something to contend with but this has been exceptional, " he said.

BBC: Channel Islands' wet weather 'demoralising for farmers'

"It's something hard to contend with, but it happens and is part of the game, " he said.

BBC: England happy despite lost toss - Stuart Broad

This is all about living within your means, something every family has to contend with these days.

CNN: Politicians should put what's right ahead of winning votes