Moral hazard is a crock of shit. I mean that both in the sense of policies based in it shit on the nondeserving, and in that it doesn't fit modern theories of personal and population health. I mean, I'm a public health person, I extremely don't like it anyway! but it's the thinking that's behind conservative health-related policies: it's for the deserving. If we make it easy to get, people won't work hard. "it" = insurance, homes, food, TANF, etc.