Your use of moral hazard is inaccurate. According to the 2nd edition of Principles of Risk Management and Insurance by the American Institute for Property and Liability Underwriters," a moral hazard is a condition that exists when a person may try intentionally to cause a loss or may exaggerate a loss that has occured. It refers to a defect or weakness in human character that may result in a loss occuring or being enlarged beyond its true value or duration."

Your article more accurately describes a "morale hazard" which the 2nd edition of Principles of Risk Management and Insurance states, " is a condition that exists when a person is less careful than he or she should be. Carelessness with property that may increase the probability of a theft loss is an example of a morale hazard."