考纲上为啥说的是deposit insurance 可以reduce the moral hazard？

问题如下：

What is meant by moral hazard? Explain why deposit insurance can give rise to moral hazard.

选项：

解释：

Moral hazard is the risk that the existence of an insurance contract will change the behavior of the insured party thereby making the insurance contract riskier. Deposit insurance could encourage a bank to take more risks because it is less likely to lose depositors when they become aware of the risks being taken.