Please could you elaborate on this point.
Moral hazard is an insurance or economics term.
It means when you know you have a safety net, or a backup plan, it changes your behavior, from a subconscious standpoint.
Studies have shown, for example, that making stricter seat belt laws can actually increase property damage, as more people wearing seatbelts feel slightly more protected and drive slighty more erratic.
What humans normally HAD to get from other humans (recognition, friends, respect, admiration, etc.) they can now largely get much EASIER on social media.
This creates a degredation in general strength of character.
Before social media, and online dating, people could ONLY get things DIRECTLY from other people, so they had to be on their best behavior.
No more.