Help asap please

Question 5 (15 points) i . In class, we saw evidence that poor people in developing countries may be more exposed to risk than the average person in a developed country. Provide at least two reasons why this may be the case. Explain your answer. (4) ii. An important institution for responding to risk is insurance. However, a key challenge in providing insurance is the concept of moral hazard. Define moral hazard. (3) Provide an example of moral hazard in the context of agricultural crop insurance and explain iii. how moral hazard makes it harder for an insurance scheme to be sustained (4)