Answer: Moral hazards
Explanation:
Moral hazards refers to the situation where people take risk by maximising the inefficent decisions the outcomes may result in negative results which can adversly affect their health.
They may experience irritability and depression because when a person constantly smokes, his/her brain begins to rely on the chemicals it gets from the person smoking, which results in the brain "getting lazy" and not producing the chemicals anymore. If the person were to suddenly quit, the brain would lack in the chemicals it had stopped producing, making the person feel constantly annoyed and depressed because of the chemical imbalance.
