Question 22 1 pts Which of the following is not one of reasons why lines of credit and long-term relationships between banks and their customers help overcome adverse selection and moral hazard problems? They enable banks to deal with moral hazard contingencies that are neither anticipated nor specified in restrictive covenants. They allow banks to reduce the losses in the case of a loan default by selling pledged collateral, thereby lessening the consequences of adverse selection. They make it easier for banks to screen good risks from bad. They reduce the costs of information collection