scenerio

Employers all over MA are shutting dow, they shut down the whole transit system.

and can increase the incidence rate of delusions and psychosis in those who are predisposed....

It's called free advertising

*OHHHH You meant the site is ACTUALLY down.... nevermind then.

I'll still go back, not really that big of a deal, sites go down all the time

This is entirely correct form what I have read, however, I don't think Reddit will like it. Upvote for your sensible response, you must work in the field.

This is not true at all banks do it all the time, although you are semi-correct in that it can be a moral hazard. But there are consequences, your credit score is shot and (mostly) no one will give you credit. So there are consequences to the actions which eliminates the "hazard"