The Debt Contract Feature of the Demand Deposit Implies That

The debt contract feature of the demand deposit implies that

A) the bank faces a moral hazard problem in dealing with an insured depositor.
B) the bank faces an adverse selection problem in dealing with an uninsured depositor.
C) the bank faces a moral hazard problem in dealing with an uninsured borrower.
D) the uninsured depositor faces a moral hazard problem in dealing with the bank.
E) the uninsured depositor faces a moral hazard problem in dealing with the bank's borrowers.