Moral hazard - case or effect of the economic crisis

In the past two years, the main topic of discussion was "global economic crisis", why?, what effect?, or when and how to overcome it, "are questions that each and everyone asked themselves once at least in the last twenty-four months. It was discussed and it is still discussing daily on at least one TV channel on the topic: “The fact that this has caused and continues to generate topics of interest for both talk-shows and academic community, made us reflect on an idea: "If this phenomenon is the source of so much controversy, means that the information held by everyone is incomplete in a lesser or higher degree. This incomplete information is a characteristic of moral hazard, and does not this case of the current economic reality, or is it just an externality? ". This article is a study in terms of moral hazard on the economic crisis. The main idea of this study is the question: "Is moral hazard the case or the externality of the current economic situation?" Therefore, forms of the moral hazard are tracked and analyze before and after August 2008 (when the crisis started).