Articles on Moral hazard

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U.S. Surgeon General Dr. Jerome Adams demonstrates the proper procedure for administering a nasal injection of naloxone on reporter Jennifer Lott, left, during a visit to the University of Mississippi Medical Center in Jackson, Miss., May 17, 2018. AP Photo/Rogelio V. Solis

Naloxone remains controversial to some, but here’s why it shouldn’t be

One study argues that naloxone increases opioid use because it protects against death from overdose. But a closer analysis shows Narcan is the number one public health tool to fight the overdose epidemic.
Crop insurance is designed to help farmers weather disasters such as Hurricane Irma, which devastated many Florida citrus farms in 2017. AP Photo/Tamara Lush

Crop insurance is good for farmers, but not always for the environment

Crop insurance cushions farmers against natural disasters, but it also can lead them to overuse resources and reduce their incentive to adapt to climate change.
Deposit insurance has been mooted for Australian banks - but should we accept as given current banking structures which create too-big-to-fail banks? AAP

Should there be a bank deposit guarantee fee?

There is a growing chorus of support for introduction of a fee for the protection provided to bank deposits (up to the $250,000 cap) by the Financial Claims Scheme (or deposit insurance as it would be…

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