When other people say "X is moral", they mean "I will say that 'X is moral', and will occasionally do X"?

Knowing what is moral and acting on what is moral are two different things. Acting on what is moral is often hard, and people aren't known for their propensity to do hard things.

The divide between "I know what is moral" and "I act on what I know to be moral" exists in most moral theories with the possible exception (as far as I know, which isn't all that far) of egoism.