I think the imposition of this burden on engineers is the result of our belief that our legislators are too incompetent or unwilling to act in the fact of clear moral hazards. Tech has a very strong history of conscientious objectors. They're not the problem. Other institutions need to do their part.
A moral hazard happens when an entity is somehow insured against something (e.g. health insurance), so is rationally more likely to behave in some "bad" way (e.g. driving recklessly). I'm not seeing how this a moral hazard, do you just mean "immoral"?
Smoking instead of reckless driving may make it (slightly) more understandable.