The trolley problem also is meant to break your mind.
Bringing it up, is someone purposefully trying to hurt you, and such, deserves being ran over by the trolley.

Further, life is not like this. These instances can never happen in life.

As an example. This "problem" says you are near a switch, and that you can divert the course of the trolley. So... you know how to flip the switch. And if you know that, then you also have been told to make sure the switch is fully engaged one way or the other else the trolley will end up on the ground.

End up on the ground? Well, lets put the trolley on the ground and save everyone.