Yup, it is. Without something akin to moral hazard, we'd have a much more risk averse society, much slower economy etc.

We'd also have hoards of people starving in the street, as humans are not good at long term planning, or risk assessment.

So yeah, I'm all for "moral hazard".

So now you are going to decide what consenting adults can do with their money, by deciding they can't invest in ICOs and other scam^H^H^H^H unregulated schemes until they have put enough away to satisfy you.

I'm not sure this is qualitatively different to a ban, really.