In Singapore, the government almost never hands out goodies free of charge.  There’s almost always a co-payment, even for health care and education.  Western economists justify these charges as a partial remedy for “moral hazard.” 

But perhaps Singapore has been more successful in selling the idea because it’s got better marketing.  They don’t defend co-payments as a way to avoid moral hazard.  They defend co-payments as a way to avoid a “buffet mentality.” 

Great slogan, no?  Economic educators, formal and informal, take note!