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Quickie: Moral Hazards
A moral hazard is whenever a policy incentivizes people or businesses to take risks knowing that they won't bear the full costs of that risk should things go south. By privatizing profits and socializing losses, they spread out the costs among the people so that, individually, it's not worth it to protest or lobby against it.
Atheism and Libertarianism 7: The Paradox of Interests https://www.youtube.com/watch?v=E0waxvIaOp4
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