Moral Hazard issues can occur at any level - for example, government insurance subsidies that allow homeowners to build near vulnerable coastlines; a teenager's car insurance that is incorporated under the parent's accident free policy etc.
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Robert Rubin - 'In an Uncertain World' - describes moral hazard problems at the macro economic level:
In contemplating such a package, we did worry about the 'moral hazard' problem that had...
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