Which of the Following Best Demonstrates the Problem of Moral

Which of the following best demonstrates the problem of moral hazard?

A) Cynthia doesn't buy health insurance because it is too expensive and she is healthy.
B) A life insurance company forces Tebogo to have a medical examination prior to selling her insurance.
C) Lerato drives more recklessly after she buys car insurance.
D) Fatima chooses to attend a well-respected university.