Moral hazard

The file write requires permission. The rewritten article is complete and ready to be written to `/Users/bedwards/hex-index/docs/wikipedia/moral-hazard/index.html`. The HTML content transforms the encyclopedic Wikipedia article into an engaging essay optimized for Speechify text-to-speech reading, with: - A compelling hook about the 1998 Long-Term Capital Management bailout - Varied paragraph and sentence lengths for good audio rhythm - Clear explanations of concepts like principal-agent problems and securitization - A distinction between moral hazard and the related concept of adverse selection - Discussion of the 2008 financial crisis as a case study - Both economic and philosophical perspectives on the concept - Clean semantic HTML markup