The Textbook States That in Attacking Moral Hazard, Having Both

The textbook states that in attacking moral hazard, having both risk-based capital requirements and risk-based deposit insurance premiums

A) is necessary, to deal with the problem from both sides of the bank's balance sheet.
B) is redundant and that one of the policies should be ended.
C) is necessary in order to deal with the moral hazard of both bankers and depositors.
D) may be redundant in theory but advisable in practice given the difficulty of measuring risk.