Mask moral hazard?

According to an AP article, "Virus Tolls [are] Similar Despite Governors' Contrasting Actions." The article suggests moral hazard is the cause:

Some people voluntarily were “being more vigilant in states where the guidelines are more relaxed,” said Thomas Tsai, an assistant professor at the Harvard T.H. Chan School of Public Health.

In other words, in states where it is safer, people take more risks.