One reason why government-run wage insurance programs must have limited duration is that they involve so-called “moral hazard”: the risk that people will get lazy or would take easier, lower-paying jobs and continue to collect insurance that pays them the wage of a more demanding occupation. But this would not apply to livelihood insurance, because its benefits are tied to the rise and fall of income indices, which are beyond the control of individuals.
政府经营的工资保险计划为什么一定要有时间限制，原因之一是这些计划涉及所谓的“道德危险”，即人们可能变懒的风险，或人们可能选择从事较为简单的，收入较低的工作，同时继续获取保险收入的风险（保险将支付给他们要求更高的职业所支付的工资）。这种情况不适用于生计保险，因为生计保险与收入指数的升降紧密相关，而这，不在个人的控制范围之内。