A hazard that arises from a person's carelessness or indifference to a loss because insurance exists is called a:

解析

A morale hazard is an attitude of carelessness or indifference to loss because the person knows insurance will pay (for example, leaving a car unlocked). A physical hazard is a tangible condition that increases the chance of loss, such as an oily rag pile. A moral hazard involves dishonesty, such as intentionally causing a loss to collect. Distinguishing morale from moral hazard is a common exam point: morale is carelessness, moral is dishonesty.