When Distance Makes War Easy A philosophical reflection on leadership, resilience, and the human condition.
By D. L. Dantes | March 2nd, 2026

When Distance Makes War Easy A philosophical reflection on leadership, resilience, and the human condition.
By D. L. Dantes | March 2nd, 2026

Tìm hiểu về Moral Hazard và những phi vụ rủi ro đạo đức Moral Hazard

Tìm hiểu về rủi ro đạo đức Moral Hazard là gì? Những biện pháp có thể phòng ngừa hiện tượng rủi ro đạo đức tham khảo tại:
https://forexno1.net/moral-hazard-la-gi/

Thế nào là Moral Hazard? Tìm hiểu về những phi vụ rủi ro đạo đức Moral Hazard

Những biện pháp có thể phòng ngừa hiện tượng rủi ro đạo đức. Một vài phi vụ nổi tiếng trong lịch sử về Moral Hazard tham khảo tại:
https://forexno1.net/moral-hazard-la-gi/

Giới thiệu đôi nét về Moral Hazard và những phi vụ rủi ro đạo đức Moral Hazard

Tìm hiểu về rủi ro đạo đức Moral Hazard là gì? Một vài phi vụ nổi tiếng trong lịch sử về Moral Hazard tham khảo tại:
https://forexno1.net/moral-hazard-la-gi/

(For a description of a tuition waver please read the blog written by, “politicalprof.”) 

If Trump’s tax plan becomes law many students, approximately 145,000 of them, will be faced with the problem of choosing between crippling debt or being disqualified for jobs of interest and earning less. It’s a negative for the individual, their future family, our economy, and our society.

As it stands the number of people who are retiring with student loan debt has quadrupled over the last ten years. If the bill passes, we will see a major jump in long term debt and retirement would become impossible for many.  

The additional debt would make it harder for individuals to purchase goods, eat “avocado toast,” go on vacation, buy a home, etc. Some individuals will seek relief by dissolution of student debt through bankruptcy.

The health of the economy is measured by the GDP. Sparknotes states, “Strictly defined, GDP is the sum of the market values, or prices, of all final goods and services produced in an economy during a period of time.” In other words, everything that is produced and purchased within an economy is calculated. Well what is behind production? People! So, to increase the GDP you want to increase production, which means you should increase people’s ability to produce. Education has proven to increase one’s abilities to produce. 

A decrease in college degrees would be a decrease in “human capital,” which would result in a decrease in the economy’s ability to produce. The impact would place the economy in a precarious position, possibly into a recession.

The warnings of Trump’s terrible tax plan will be forgotten and the fingers pointed directly at the main class of workers. Haven’t the millennials been blamed enough for problems past generations created?

If you would like to better understand what a moral hazard is, here is a short video that will provide you will a few examples:

http://www.criticalcommons.org/Members/fsustavros/clips/cse-l-learn-liberty-moral-hazard

Do you think NFL players would be safer without helmets? Would there be less vehicle accidents if we didn’t have seatbelt laws?

As my participation with a leadership program was coming to a close, I still had not figured out how to pay my $1900 tuition. Graduation day was approaching and I was stressing out over it. The organization had mentioned my tuition a few times over the course of the year but they never really pressed me for it. They were beyond kind to me.

Either way, I was sweating it. I broke down and called my grand parents looking for help. They had helped me out in the past, they have always believed in me and for some reason did not think I was a loser at the time…

I felt ill calling them to ask for help again. I still owed them money from the last time I needed help with college tuition… It was not fair or right for me to call them to ask for help again. I was selfish and made the call.

They said yes and cut a check. My reputation remains some what intact. The cards wobbled again but the house did not fall.

I often have conversation with people about how we have to work for everything that we get. “There is no such thing as entitlement.” “We must work for everything that get.”

Well I am acting like an entitled little shit head. I am a total hypocrite…

“In the context of war, moral hazard crops up when the socioeconomic class empowered to declare war is largely insulated from the lethal risks faced by those sent to the battlefield because neither they nor their offspring are likely to be thrust into harm’s way by the war.”

I’m all about freedom of choice, but when a person’s choice is driven by disadvantaged circumstances, it just doesn’t seem fair.

In economics, a moral hazard is defined as “a tendency to be more willing to take a risk, knowing that the potential costs and/or burdens of taking such risk will be borne, in whole or in part, by others” (Wikipedia). Putting this in the context of Christianity, the problem of the moral hazard can be summed up with a question someone asked me:

Christians are saved from our sin through Christ, right? I can have my fun knowing that God will always forgive me in the end for whatever might happen tonight. It’s a win-win. I’m safe! I can party with peace of mind.

As Christians, can we treat our faith as a hedge against sin? In other words, can someone – once saved – deliberately sin knowing that God always forgives? This framework of thinking appears to point out an ingenious “moral loophole”: God will always forgive our transgressions because Christ had died to wipe away our sin.

Unfortunately the Bible doesn’t quite agree with treating our relationship with Christ in such a way:

“What shall we say then? Are we to continue in sin that grace may abound? By no means! How can we who died to sin still live in it? Do you not know that all of us who have been baptized into Christ Jesus were baptized into his death? We were buried therefore with him by baptism into death, in order that, just as Christ was raised from the dead by the glory of the Father, we too might walk in the newness of life.” - Romans 6:1-4 (ESV) 

When we ask God for forgiveness, we are both apologizing and repenting for our sin. A sincere apology means we do not intentionally continue making the same mistakes. Doing so would be duplicitous, deceptive – whatever you want to call it – basically it’s wrong to apologize in bad faith (not only with God, but with people as well). Repentance entails a fundamental change in the way we view and approach sin in our mind – that we see it as a barrier to loving God and thus desire to purge it from our lives. 

All of us are of course human and may fail in our efforts to halt our sin, but God looks at the intentions of our heart, not just our actions. The motives behind our actions reveal where our hearts are (1 Samuel 16:7). A heart that struggles against sin is completely different from a heart that finds gratification in it.

“As for you, you were dead in your transgressions and sins, in which you used to live when you followed the ways of this world and of the rule of the kingdom of air, the spirit who is now at work in those who are disobedient. All of us lived among them at one time, gratifying the cravings of our flesh and following its desires and thoughts. Like the rest, we were by nature deserving of wrath. But because of his great love for us, God, who is rich in mercy, made us alive with Christ even when we were dead in its transgressions – it is by grace you have been saved.” – Ephesians 2:1-5 (NIV84)

Make no mistake, God will forgive us even if we deliberately sin; it is perhaps the best example of His love for us. But we must honestly ask ourselves how much we actually love Christ if we seek out and take unrepentant pleasure in sin; cheapening the grace of God is not something that should be done casually (or at all for that matter). It is one of the most perverse distortions of His love and grace for us to willingly and delightfully partake in sin once we have accepted Him into our life. Christ did not pay for our sin so that we may freely indulge ourselves by living in it. We were not saved so that we might be happy partying to excess, drinking ourselves into drunkenness, or otherwise engaging in all manner of debauchery (Ephesians 5:15-18). We were saved so that we would find ultimate joy in seeking to emulate Christ as much as we can in our daily lives, loving Him with all of our heart, soul, and mind (Matthew 22:37).

“Let not sin therefore reign in your mortal body, to make you obey its passions. Do not present your members to sin as instruments for unrighteousness, but present yourselves to God as those who have been brought from death to life, and your members to God as instruments for righteousness. For sin will have no dominion over you, since you are not under law but under grace.” - Romans 6:12-14 (ESV)

Edit: the perverse incentive of a creditor to wish his debtor to default is probably the #1 troublesome feature of CDS, in my opinion.

Moral hazard.