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