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Moral Hazard

by Jadrian

Charlie decides to start smoking in the mailroom because it's a stressful job and the cigarettes help him calm down. He rationalizes it that it's okay to do something so risky because he has health insurance. In economic terms, health insurance creates a moral hazard because Charlie is only smoking because he knows he has insurance and he wouldn't be as risky without it.

Always Sunny: Smoking in the Mailroom

Charlie starts working in the mailroom, but he's way to stressed so he decides to start smoking because it calms him down.

from Always Sunny in Phildealphia (2008)
Creator: Rob McElhenney
Distributor: FXX
Posted by Jadrian