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When one party takes risks because another party bears the costs—a core problem in insurance, finance, and institutional design. IRSA's Architectures of Ease addresses moral hazard not through monitoring or punishment but by redesigning systems so that risk-taking and risk-bearing are architecturally aligned.
Banks take excessive risks knowing governments will bail them out. Traditional solution: regulation. Architectures of Ease solution: structure institutions so the easiest path for banks is also the safest path for the system.
See: Architectures of Ease, Commitment Architecture