Edit to my above comment, since my client doesn't seem to allow previewing or editing unfortunately.... 'side effect of settling them with ascertain' should be

Edit to my above comment, since my client doesn't seem to allow previewing or editing unfortunately.... 'side effect of settling them with ascertain' should be 'side effect of saddling them with a certain' Also I think the original articles proposal of a non-profit solution is Noble but the bigger facility for moral hazard is lack of transparency, and lack of transparency is as much a problem of compressing complexity so that the information made transparent is digestible to most of the users in a reasonable amount of time, without introducing biases through that compression which skew the interpretation of the information. There's a lot of information about how the power in society is conducted through structures of influence, but making this information accessible to people so that they can avoid or associate with portions of it as freely as possible is a basket of paradoxical UX and ethical snakes to untangle.