20) In the typical homeowners policy, fire is a covered peril. Most likely, some cash will burn up in the fire if your house burns down. Most homeowners insurance policies have a $200 coverage limit on cash. Which of the following is a true statement about this limit? a. It prevents moral hazard; people could to profit from a fire if this limit were not in the policy. b. It discourages people from storing large amounts cash reducing risk. c. It is just another way that insurance companies try to cheat people d. Most people do not need more coverage e. It is difficult to verify the loss