Complete the following table by determining which economic problem is characterized in each of the scenarios provided.

$\backslash$table$[[$Scenario$],[$Edison would like to buy a house, but he is not a handyman and thus cannot assess the quality of a house before$],[$owning it$.$ Edison believes that owners of low$-$quality houses are more willing than owners of high$-$quality houses to$],[$sell their homes. Because of this, Edison believes that houses that are for sale are probably of low quality.$],[$When Crystal didn't have renter's insurance, she was very careful not to leave candles lit in her apartment, and she$],[$always locked the door when she left. Now that she has renter's insurance, she frequently leaves candles burning$],[$and forgets to lock the door because she knows that, even if her apartment catches on fire or gets broken into, her$],[$insurance will cover it$.]]$