Sorry, “moral hazard” is a term-of-art (something that doesn’t mean what it says on its face but is used in some particular way in some fields or professions). In this case by “moral hazard” I meant the idea that if you reduce the harm of some course of action there’s a chance that people will engage in it more because it’s less harmful now. It usually is applied to risky-yet-beneficial behaviours like injury from sports or from outdoor pursuits. It’s ridiculous in that context (I don’t think we should make things worse just so they don’t get better) and doubly or triply ridiculous when the risky behaviour isn’t beneficial or also isn’t effectively voluntary.