It's important to note that "moral hazard", while not quite a term of art, has a specific meaning in economics that isn't associated with ethics or morality.
The quick google definitions: "a lack of incentive to guard against risk where one is protected from its consequences"
The quick google definitions: "a lack of incentive to guard against risk where one is protected from its consequences"
Wikipedia: https://en.wikipedia.org/wiki/Moral_hazard