They think, it doesn't matter what I do, I'm going to get the same consumption as everybody else, so I'll just get lazy-- a very fundamental problem, which you probably are already aware of.

因为他们知道，无论做了什么，都会享受与其他人相同的消费水平，所以偷懒就行了-,想必你们都已经意识到了，道德风险在这里是极其重要的问题。

耶鲁公开课 - 金融市场课程节选