I agree that moral hazard is, but you could also imagine an excludable EA insurance scheme that reduced free-riding. E.g., pay $X/​month and if you lose your job you can live here for up to a year.
But since the employed EA community is not as diversified as the whole market, employed EAs may be more liable to systemic shocks that render the insurer insolvent. But of course, there’s reinsurance...
I agree that moral hazard is, but you could also imagine an excludable EA insurance scheme that reduced free-riding. E.g., pay $X/​month and if you lose your job you can live here for up to a year.
But since the employed EA community is not as diversified as the whole market, employed EAs may be more liable to systemic shocks that render the insurer insolvent. But of course, there’s reinsurance...