Cian O'Callaghan (Dublin Bay North, Social Democrats)
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If everyone is on a housing waiting list, they are not jumping a queue to get on to the housing waiting list. They are on it because they have a housing need that is not being met. Moral hazard is about if they were jumping a queue for an allocation that was there and taking it from someone else. That would absolutely be a moral hazard. However, when it is the home in which they are living and the choice whether to go through with the scheme that would save them from homelessness, the house is not part of the wider stock at that point. I am legitimately and sincerely struggling to understand it.