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https://trendnpattern.com/2023/03/22/ever-since-the-invention-of-insurance-over-300-years-ago-its-encouraged-people-to-take-more-risk-welcome-to-moral-hazard/
<div>Ever since the invention of insurance over 300 years ago, it’s encouraged people to take more risk. Welcome to ‘moral hazard.’</div>
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