the.com/moral hazard

means The tendency to take bigger risks when someone else bears the cost if things go wrong.

from Born in insurance and economics — the phrase shows up in 19th-century insurance underwriting documents, originally as a near-technical worry about insured parties behaving carelessly or even fraudulently once a policy shielded them from loss. The word 'moral' there doesn't mean ethics exactly; it meant something closer to 'behavioral' — a hazard arising from human conduct rather than physical circumstance. Economists later picked it up and sharpened it into the modern sense: any arrangement where protection from consequences quietly invites more reckless behavior, from bank bailouts to health insurance.