Chapter 17 – Asymmetric Information, Voting, and Public Choice
81. Adverse selection is when someone with home insurance decides to take the chance that a
dying tree would fall on the garage, rather than spend the money to have the tree cut down.
82. When the government bails out large banks when the banks become unstable, it could lead
to a moral hazard problem.
83. When the government bails out failing banks, it creates a moral hazard problem; but when
the government bails out homeowners who are defaulting, there is no moral hazard problem.
84. When critics of unemployment insurance claim that some of the unemployed are not
exerting much effort to find jobs because of the unemployment benefits, they are referring to
the adverse selection problem.