Crop insurance is widely used around the world to help farmers cope with variable weather and its effects on crop production. Quiggin (1992) has demonstrated that, for risk-averse producers, insurance will reduce the demand for inputs that are risk-reducing or risk constant (like pesticides) but will increase demand for inputs that are strong risk increasing (the marginal product of the input is unambiguously non-positive under adverse states of the world, like fertilizers). Describe the market failure represented by this scenario, and how it results in social sub-optimal outcomes.