How Trolley Problems Launder Metaphysics into Intuition

5–7 minutes

The trolley problem is not a neutral test of moral judgment. It’s a borrowed ontology, transmogrified into a moral test. Before anyone reasons about anything, the scene has already decided what sort of things there are to reason about: discrete persons, countable lives, comparable harms, and a chooser licensed to survey them from nowhere in particular.

Audio: NotebookLM summary podcast of this topic.

What follows from it isn’t a clarification of moral principle but a rehearsal within terms already set.

The Scene Is Already Loaded

The standard trolley case presents itself as raw moral data – a clean dilemma, stripped of the mess of the real world, offered up for principled adjudication. It is nothing of the sort.

Before you are invited to reason, the scenario has already done substantial philosophical work on your behalf. It’s individuated persons into discrete units. It has rendered their lives countable. It’s made their deaths commensurable – one loss weighed against five, as though the comparison were as natural as subtraction. And it’s structured the whole affair as a problem of adjudication: here are the facts, now judge.

None of this is neutral. Every one of those moves is a substantive ontological commitment dressed up as stage direction.

Take commensurability alone. The question ‘should you divert the trolley to kill one instead of five?’ only functions as a dilemma if those deaths belong to the same evaluative currency. If they don’t – if, say, the value of a life isn’t the sort of thing that submits to arithmetic – then the problem is not difficult. It is malformed. The anguish it is supposed to provoke is an artefact of its own framing, not a discovery about ethics.

The maths is real enough. What’s dubious is the ontology that made the arithmetic possible.

NotebookLM Infographic on this topic.

The Chooser Is a Staged Fiction

The scene isn’t the only thing preformatted. What about the agent?

The trolley chooser stands outside the situation, surveys the options, and selects. They are not embedded in a community, encumbered by role, constrained by relationship, or shaped by history. They’re a pure point of detached rational adjudication – the moral equivalent of a view from nowhere.

The point isn’t that no one ever chooses under pressure. Of course, they do. The point is that the trolley problem presents detached adjudication as though it were the natural form of moral intelligence. As though stripping away context, relationship, role, and history were a way of clarifying moral reasoning rather than of impoverishing it beyond recognition.

The solitary lever-puller, surveying outcomes from above, isn’t morality stripped to its essentials. It’s modern administrative fantasy.

They’re the civil servants of ethical theory: contextless, disembodied, tasked only with optimising a ledger they didn’t write and can’t question. The scenario doesn’t merely place them in a difficult position. It constructs them as the kind of agent for who(m) moral life consists of exactly this: tallying comparable losses under time pressure and choosing the smaller number.

That isn’t the human condition. It’s a job description.

The Grammar Is Borrowed

It gets worse.

It’s one thing to say that trolley problems are structured rather than neutral. Most thought experiments are structured. Simplification is the point. The real indictment isn’t that the trolley case has assumptions, but that it has these assumptions – and that they are not universal features of moral reasoning but the inherited furniture of a very particular intellectual tradition.

Consider what the scenario requires you to accept before you even begin deliberating:

  1. That persons are discrete, portable units of moral concern. That value is the sort of thing that attaches to them individually and can be summed across them.
  2. That losses are aggregable and commensurate – five deaths are worse than one in the same way that five broken windows are worse than one.
  3. That ethical judgement, at its most serious, takes the form of an isolated decision-maker surveying comparable outcomes and selecting among them.

This is not the skeleton of rationality itself. It is a picture – modern, liberal, administrative – of what rationality looks like when it has been formatted for a particular kind of governance. The trolley problem does not merely presuppose an ontology. It presupposes this one.

And the trick – the real laundering – is that it presupposes it so thoroughly that the presupposition becomes invisible. Respondents argue furiously about whether to pull the lever, push the fat man, or stand paralysed by principle, without ever noticing that the terms of the argument were installed before they arrived. The metaphysics entered the room disguised as a trolley schedule.

What Trolley Problems Actually Reveal

If all of this is right, then the usual interpretation of trolley responses has the direction of explanation backwards. The standard reading goes something like: present a moral dilemma, observe the response, infer a moral principle. Consequentialists pull the lever. Virtue ethicists pose. Stoics watch. Deontologists don’t pull the level on principle alone. The disagreement reveals something about the structure of moral thought.

But if the scene is already ontologically loaded, and the chooser already formatted for a particular style of deliberation, then what the response reveals isn’t an independently accessed moral truth. It’s the respondent’s prior comfort with the ontological grammar that the case has already installed. Those who pull the lever are not discovering that consequences matter. They are confirming that the grammar of aggregable, commensurable lives is one they already inhabit. Those who refuse aren’t discovering that persons are inviolable. They are resisting, perhaps inarticulately, a grammar that does not match the one they brought into the room.

The disagreement is real. But it’s not a disagreement about what’s right. It is a disagreement about what there is – about what a person is, what a life is, whether value aggregates, whether agency is the sort of thing that can be exercised from nowhere. It’s an ontological dispute conducting itself in moral attire.

Trolley problems don’t tell us what’s right. They tell us what we already think there is to count. This matters beyond moral philosophy. The moment trolley logic is recruited for autonomous vehicles, military robotics, or triage systems, its hidden ontology ceases to be a parlour-game inconvenience and becomes a design mandate. Engineers do not escape the metaphysics of the scene. They inherit it, formalise it, and call the result safety. That may be the more urgent article.

The next question is not whether a self-driving car should kill one pedestrian rather than five. It is how such a machine came to inherit a world in which persons appear as countable units, harms as optimisable variables, and moral action as a problem of detached calculation in the first place.

I Don’t Buy It

1–2 minutes

I posted a video on YouTube that I shared here. They’ve added some AI to the studio channel interface.

Image: YouTube Studio’s Inspiration Page. Thanks, but no thanks.

On the previous page, the prompt window (top right) asked if I wanted to know how my video was performing versus the baseline. I affirmed, and it spit out results. Brilliant.

I noticed a handful of ‘inspiration items’. None looked particularly interesting, but I have a nostalgia for Trolley Problems™. A few years ago, I would have jumped on the idea. Nowadays, I’ve seen hundreds of variations, and I’ve lost interest. However, being on familiar ground, I clicked on it to see what would happen. The result is the screenshot above.

Not only is the response templated with thumbnails, but AI is also ready to write the script. At this rate, why doesn’t YouTube just create ideas and generate them itself – like Spotify or Suno? It may just be a matter of time.

I am a heavy user of AI, but I lead the conversation. I am an author, and a reason I don’t join writers groups – I’ve attended some – is that I don’t need help with topics. I don’t get writer’s block. I just need the time and focus to get it out. I suppose that one day the creative well could run dry, but I don’t do this for commercial gain. Sure, that happens, but it’s not my goal. My goal is to write to share and exchange ideas.

I have many colleagues who are commercial writers and artists. I don’t know how they can do it. I understand that people have different interests and temperaments, but this is not one of mine. It would literally take all of the joy out of it. Not all people are artists™. Some people are more acquisitive than I am; I’m not judging, but it’s not me.

When I look at YouTube’s shiny AI muse and think, thanks, but no; I’d rather derail the trolley myself.

The Trolley Problem of For-Profit Healthcare:

Loops of Death and Denial

The trolley problem is a philosophical thought experiment that pits action against inaction. In the original version, a person faces a choice: a trolley hurtles down a track toward five people tied to the rails, but a lever allows the trolley to be diverted onto another track, where one person is tied. The dilemma is simple in its grotesque arithmetic: let five die or actively kill one to save them. A perennial favourite of ethics classes, the trolley problem is most often used to explore Consequentialism, particularly Utilitarianism, and its cool calculus of harm minimisation. Over the years, countless variations have been conjured, but few approach the nightmarish reality of its real-world application: the for-profit healthcare system in the United States.

With the recent death of UnitedHealthcare CEO Brian Thompson, the trolley dilemma takes on a new and morbid relevance. Let’s reframe the challenge.

The Healthcare Trolley Loop

Picture the trolley again on a bifurcated track. The lever remains, as does the moral agent poised to decide its fate. This time, the agent is Brian Thompson. The setup is simple: one track leads to the deaths of five people, and the other is empty. But here’s the twist: the trolley doesn’t just pass once in this version—it’s on a loop. At every interval, Thompson must decide whether to pull the lever and send the trolley to the empty track or allow it to continue its deadly course, killing five people each time.

But Thompson isn’t just deciding in a vacuum. The track with five people comes with a financial incentive: each life lost means higher profits, better quarterly earnings, and soaring shareholder returns. Diverting the trolley to the empty track, meanwhile, offers no payout. It’s not a single moral quandary; it’s a recurring decision, a relentless calculus of death versus dollars.

This isn’t just a metaphor; it’s a business model. For-profit healthcare doesn’t merely tolerate death—it commodifies it. The system incentivises harm through denial of care, inflated costs, and structural inefficiencies that ensure maximum profit at the expense of human lives.

Enter the Shooter

Now, introduce the wildcard: the shooter. Someone whose loved one may have been one of the countless victims tied to the track. They see Thompson at the lever, his decisions ensuring the endless loop of suffering and death. Perhaps they believe that removing Thompson can break the cycle—that a new lever-puller might divert the trolley to the empty track.

Thompson is killed, but does it change anything? The system remains. Another CEO steps into Thompson’s place, hand on the lever, ready to make the same decision. Why? Because the tracks, the trolley, and the profit motive remain untouched. The system ensures that each decision-maker faces the same incentives, pressures, and chilling rationale: lives are expendable; profits are not.

The Problem of Plausible Deniability

The shooter’s actions are vilified because they are active, visible, and immediate. A single violent act is morally shocking, and rightly so. But what of the quiet violence perpetuated by the healthcare system? The denial of coverage, the refusal of life-saving treatments, the bankruptcy-inducing bills—all are forms of systemic violence, their harm diffused and cloaked in the language of economic necessity.

The for-profit model thrives on this plausible deniability. Its architects and operators can claim they’re simply “following the market,” that their hands are tied by the invisible forces of capitalism. Yet the deaths it causes are no less real, no less preventable. The difference lies in perception: the shooter’s act is direct and visceral, while the system’s violence is passive and bureaucratic, rendered almost invisible by its banality.

A System Built on Death

Let’s not mince words: the current healthcare system is a death loop. It’s not an accident; it’s a feature. Profit-seeking in healthcare means there is always a financial incentive to let people die. During the Affordable Care Act (ACA) debates, opponents of universal healthcare decried the spectre of “death panels,” bureaucrats deciding who lives and who dies. Yet this is precisely what for-profit insurance companies do—only their decisions are driven not by medical necessity or moral considerations, but by spreadsheets and stock prices.

This is the logic of capitalism writ large: maximise profit, externalise harm, and frame systemic failures as unavoidable. Healthcare is merely one example. Across industries, the same dynamic plays out, whether in environmental destruction, labour exploitation, or financial crises. The trolley always runs on tracks built for profit, and the bodies left in its wake are just collateral damage.

How to Break the Loop

The death of Brian Thompson changes nothing. The system will simply produce another Thompson, another lever-puller incentivised to make the same deadly decisions. Breaking the loop requires dismantling the tracks themselves.

  1. Remove the Profit Motive: Healthcare should not be a marketplace but a public good. Universal single-payer systems, as seen in many other developed nations, prioritise care over profit, removing the incentive to let people die for financial gain.
  2. Recognise Passive Harm as Active: We must stop excusing systemic violence as “inevitable.” Denying care, pricing treatments out of reach, and allowing medical bankruptcy are acts of violence, no less deliberate than pulling a trigger.
  3. Hold the System Accountable: It’s not just the CEOs at fault; the lawmakers, lobbyists, and corporations sustain this deadly status quo. The blood is on their hands, too.

Conclusion: The Real Villain

The shooter is not the solution, but neither is their act the real crime. The healthcare system—and by extension, capitalism itself—is the true villain of this story. It constructs the tracks, builds the trolley, and installs lever-pullers like Brian Thompson to ensure the loop continues.

When will it end? When we stop debating which track to divert the trolley toward and start dismantling the system that made the trolley inevitable in the first place. Until then, we are all complicit, passengers on a ride that profits from our suffering and death. The question isn’t who’s at the lever; it’s why the trolley is running at all.

Rationality, Morality, and the Hydra of Modern Healthcare

Clash of Titans

The assassination of Brian Thompson, CEO of UnitedHealth, has electrified public discourse. In the court of public opinion—and particularly on social media—the assailant has been lionised, hailed as a hero who slayed a corporate leviathan. Yet the metaphorical beast is no simple predator; it’s a hydra. Slice off one head, and two grow back.

Still, this act has stirred the waters. It forces us to reckon with a clash of titans: the corporate machine versus the rogue idealist. Both are acting rationally, but neither is acting morally—at least not in the conventional sense. The question, then, is whether the assassin’s actions might occupy the higher moral ground, particularly through the lens of Consequentialist ethics.

The Hydra: UnitedHealth and the Systemic Beast

To understand the morality of the act, we must first confront the monster. UnitedHealth didn’t invent the healthcare system; it merely exploited its flaws with cold, clinical efficiency. Thompson’s leadership was emblematic of an industry that sees human lives as variables in a profit-maximising equation. Claims denial, inflated premiums, and labyrinthine bureaucracy are not bugs—they’re features. And for every life saved by healthcare, countless others are destroyed by its financial and emotional toll.

Rational? Certainly. Morally defensible? Hardly. Yet from the corporation’s perspective, these actions are the logical byproducts of a system designed to prioritise shareholder value above all else. Blame the player, yes—but blame the game more.

The Assassin: Vigilante Justice or Trolley Ethics?

Now consider the assassin, who embodies a grimly utilitarian logic: sacrifice one life to spare the misery of thousands. It’s a brutal, visceral iteration of the trolley problem—or perhaps the “baby Hitler problem,” only carried out decades too late. This wasn’t mindless violence; it was a calculated act of symbolic retribution.

From a Consequentialist perspective, the act raises uncomfortable questions. If Thompson’s death leads to systemic reform—if it forces even one profit-hungry executive to hesitate before denying care—does the assassin’s action gain moral weight? In utilitarian terms, the calculus seems clear: one life traded for a net reduction in suffering.

But that’s a dangerous game. Symbolism doesn’t always translate to change, and the hydra analogy looms large. The industry won’t topple because one CEO fell. The machinery grinds on, indifferent to the blood spilled in Manhattan. Worse, the system might grow even more resilient, using Thompson’s death as justification for tighter security, greater secrecy, and more aggressive self-preservation.

Rationality vs. Morality

What makes this clash so compelling is the cold rationality on both sides. UnitedHealth’s actions, reprehensible as they are, make sense within a capitalist framework. The assassin’s actions, though violent and morally fraught, also make sense if viewed as a desperate attempt to restore balance to a world that prioritises profit over human life.

The difference lies in their moral standing. The corporation’s rationality is underpinned by greed; its actions perpetuate suffering. The assassin’s rationality, however misguided, is rooted in outrage at injustice. If morality is determined by intent and consequence, the assassin might indeed occupy higher moral ground—not because killing is inherently justifiable, but because the system left no other path for redress.

The Symbolism and the Hydra

The tragedy is that this act of violence, however symbolic, won’t solve the problem. The hydra will grow another head, as corporations close ranks and reform remains elusive. Yet the act remains a potent reminder of the power of individual resistance. Perhaps it will force a moment of reflection, a hesitation before the next denial stamp hits the desk. Or perhaps it will simply serve as another chapter in the grim saga of a system that turns suffering into profit.

The Final Question

In this clash of titans, one side wields institutional power and systemic exploitation; the other wields desperation and bullets. Both are rational. Neither is fully moral. But perhaps the assassin’s act—brutal, symbolic, and imperfect—offers a glimpse of what happens when systemic injustice pushes people past the breaking point.

The real question is whether this singular act of defiance will lead to change—or whether the hydra will simply grow stronger, hungrier, and more entrenched.