Were I to utter the phrase "moral hazard" some of you might opt to leave the room and slip into something more comfortable ... like a coma.

But not to worry. We will keep it … corona-safe.

First, let's democratize our mutual understanding of moral hazard. Despite your foggy recollection from your college stupor, it essentially means "unintended consequences." However, moral hazard is of the pernicious variety, that which is caused by someone who will not be held accountable for those ruinous yields.

We might say that moral hazard and unintended consequences are siblings sired by dysphoric good intentions, as we all know the road to Hell is paved with good intentions. And, the majority of the time, moral hazard hatches on the Democrat side of the aisle, where the most inner virtue is emotional, thus, prone to the worst of outcomes. So, in a word, along with our best, so comes our worst.

But something dire and wicked this way comes, as mobbism is becoming the head of the moral hazard serpent, and it is emerging from the presumed right to vote, which is nowhere in the U.S. Constitution. Instead, my friends, voting is not a right, but a privilege, evidenced by the mere fact that one must comply with certain rules — laws — in order to gain access to the ballot. Contrary to this notion, to exercise a right carries no requirements.

Sadly, given that the voting privilege has been conflated with a voting right, we have nearly eliminated all compliance requirements, other than merely scrawling one's name on a voter registration. And even the eradication of that one requirement is preferred by the Democrats, along with no minimum age requirement.

At first blush, some of you, and possibly the majority of you, might prod, "So, what's so bad about that? And what would make it a moral hazard?"

Simple.

Ask yourself, just what percentage of today's voting constituents actually have even a nominal familiarity, with the following (competence in them, aside): 1. Economics (Micro and/or Macro), 2. Business Management, 3. Civics, Political Science, and 4. American History?

Greater than 50%, would you approximate?

Then, ask yourself, in how many of these dimensions must the president of the United States be fully competent?

One-hundred percent, would you say?

So, with greater than 50% of voters being, essentially, clueless, when it comes to understanding the job requirements of the president, how is it possible that these incompetent voters are able to identify the candidate whose experience-based competence best qualifies him or her to meet the challenges inherent in those four dimensions.

Not possible at all, would you conclude?

Consequently, if voters elect a president, without understanding anything about the job, something other than job competence must be determinative in their selection, such as oratory presence, the cut of their tailored suit, or, worse, race, gender, or class, thus, the Democrat mode of election integrity.

Needless to say, such behavior produces results that have little-to-nothing to do with electing the candidate(s) best suited for the job; therefore, that candidate would be freed of any constitutent oversight, as well as would reflect the incompetent, mindless whims of those by whom he or she was elected.

Finally, vapid and feckless policies emerge from a vapid and feckless presidency, itself born of vapid and feckless voters, none of whom will ever correlate his or her voting behavior with results that no one will willingly own — moral hazard.

So, what is the answer?

Again, simple.

Access to the voting ballot should be earned by having to take and pass a standardized test, with that test covering the four dimensions mentioned above. Otherwise, ask yourself, can and will America survive?

Well, if we continue to regard the voting privilege as a voting right, we will continue allowing ballot access to the most incompetent among us. That is not a pejorative, but a fact.

And, as long as the most incompetent people vote, without being held accountable for the election of incompetent candidates, the chances of our survival are slim and none, when Slim is said to have been buried alive, and None was last seen dusting off a shovel.

Milt Thomas grew up on a South-Georgia farm, graduated magna cum laude from the University of Georgia's Grady College of Journalism, and received his MBA from Emory University's Goizueta Business School. After a career as an executive with Cox Broadcasting, WSB-TV, Home Depot, and The Coca Cola Company, he is working to launch a new tech startup to rival social media and elevate the internet's entire quality experience. He has written and self-published his first book, "Black, Dumb and Barefoot...And Knocked Up By the Democrats." Milt makes his home in the Atlanta Metro. To read more of his reports — Click Here Now.