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

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And people are very affected by these.

人们很容易受此影响

耶鲁公开课 - 关于食物的心理学、生物学和政治学课程节选

The fiber intake is affected not only by what particular foods people pick but how much processing is done of the foods they have, where some of the fiber in foods is specifically processed out.

纤维素的摄入量,不仅取决于人们选择的食物,而且还要看食物的加工过程,有些纤维素在食物在加工过程中流失了

耶鲁公开课 - 关于食物的心理学、生物学和政治学课程节选