That’s the “moral hazard” in healthcare that’s used against affordable healthcare. It’s the only context it’s used in.

Obesity and opioid addiction aren’t “moral hazards” in healthcare, they’re literally things healthcare and society need to deal with. We’re far off the topic of insurance and I don’t even understand what you took issue with apart from nitpicking a sentence at this point.

Your assumption about context is not relevant to my argument.

You’re right, it was my mistake for assuming words mean what they’re commonly used to refer to /s

Moral hazard has a well understood meaning outside of affordability. I would very much like to see the system in the U.S. make more sense. Any time spent in an emergency room or waiting room in the U.S. makes the moral hazard obvious.