But insurance technology is improving, aided by improved information technology. The moral hazard implicit in crop insurance can be addressed by making payouts depend not on the actual crop failure but on the bad weather that caused it.
但随着信息技术的不断发展，保险技术也不断改善。我们可以通过对造成农业减产的坏天气而不是实际的作物减产进行保险来解决作物险固有的道德问题。因为农民无法影响天气，也就不存在道德风险的问题。