moraaliriski
Moraaliriski, also known as moral hazard, is a situation where one party in a transaction has an incentive to increase its exposure to risk because it does not bear the full costs of that risk. This often arises when one party has more information about its actions or intentions than the other party. In essence, it's the tendency for individuals or entities to behave more carelessly or take greater risks when they are protected from the potential negative consequences of those actions.
This phenomenon is prevalent in various fields, including insurance, finance, and economics. For example, an individual
Mitigating moral hazard often involves aligning incentives or increasing accountability. This can be achieved through measures