Moral Hazard is a term which means that you might act differently if you think the risk is borne by others. That said, if you have a strong constitution, you might wish to read the following excellent material from John Mauldin:
Monthly Archives: September 2008
Privacy
Do privacy laws help if they restrict a company from providing information but not the subcontractors?
unbreakable ROT13 encryption and social networks
Unbreakable ROT13 encryption 🙂 and social networks.