<prompt> Translate the following text to EnglishUsaidizi wa Rubin kwa Wamarekani umehimiza hatari ya maadili - kichocheo kwa watu kufikiria kupita kiasi kwa sababu wanajua Marekani itawaokoa.  <response>: Rubins relief for Americans has encouraged a moral hazard--an inducement for people to speculate excessively because they know the United States will rescue them. 