巴洛认为这是一种“道德风险”：如果人们在诸如失业这样的风险上得到保障的话，他们便不会那么努力地去摆脱它。
Mr Barro thinks it is a case of "moral hazard" : if people are insured against a risk such as joblessness, they will try less hard to escape it.
在现阶段，新的医保计划对所覆盖人口的整体保障水平较低，对这种风险的抵御能力还不够强。
This risk is not being reduced by the new health insurance programs, which only provide a low level of benefit for members at this stage.
伯南克表示：“我们已做好准备，在必要时采取大量附加行动，以支持经济增长，并提供额外保障，以防范下行风险。”
The Fed chairman said "we stand ready to take substantive additional action as needed to support growth and to provide additional insurance against downside risks".
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