Question: Adrian recently passed a 30-minute online class to get his license to jetski. Adrian purchases a jetski with a great insurance plan that covers nearly any accidents or damage. Despite never jetskiing before, Adrian takes his first ride with extreme risks; going very fast and trying dangerous tricks. Adrian crashes his jetski and the damages are mostly covered by insurance. What is the market failure? Group of answer choices Moral hazard Incomplete information Adverse selection Positive externality