"If the fire burns aggressively up towards Mount Wilson, we could lose some of those tower sites,"

VOA: standard.2009.09.01

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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But you know, you kind of wonder if that's a good example for fire insurance because if the whole city burns down, then insurance companies would go bankrupt anyway, right?

但是你也许会疑惑,对于阐述火险来说,这是不是个好例子,因为如果整个城市被烧毁,那么保险公司就会破产,对吧

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