Do We Have a Moral Haphazard in Risk Management?

We seem to have a lot more government around risk now than we've ever had before, trying to protect citizens from everything. How does that make us? Do we filter information the same way? Do we think differently about risk because now we can absolve ourselves of responsibility? Or do you have any thoughts on them? I think it really is in two levels. There's a moral haphazard here in that organizations like layman brothers, who named a very capable chief risk officer, created an impression inside the organization that other individuals didn't have to worry as much about risk. That wasn't even her role. And then there's another dynamic of, i'll call it animity.