Question 3 (35 pts) Read the article "Moral Hazard in Health Insurance: What We Know and How We Know It" by By Liran Einav and Amy Finkelstein (Journal of the European Economic Association, 2018) and answer the following questions: a. ( 8 pts) Explain the two views under which moral hazard may just not exist. View 1: View 2: b. ( 7 pts