Of course it is, which is why I said "not a useful _mindset_." I'm not arguing the semantics, just suggesting that allowing yourself to use them may alter your behavior in negative ways.

If the pandemic taught us anything (which it really, shockingly, didn't) it's that moral hazard is less of a risk than Chicago School economists would have you think.

Introducing mechanisms to keep people safer rarely yields the feared perverse behavior, so just introduce the bit of safety and keep a wary eye out for the perverse behavior.

Driver behaviors once the risk of being stopped by a police officer went away during the pandemic beg to differ. Many of those misbehaviors continue today as new habits even after enforcement has resumed to varying degrees.