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

It's a huge amount of money that they're managing, but I was trying to convince them that they should do something to manage their oil risks because they're way over-invested in oil.

他们管理着一大笔钱，不过我试图说服他们,采取一些措施来应对他们手里石油的风险,因为他们过于侧重在石油上的投资。

耶鲁公开课 - 金融市场课程节选