Morality is in some ways a harder problem than friendly AI. On the plus side, humans that don't control nuclear weapons aren't that powerful. On the minus side, morality has to run at the level of 7 billion single instances of a person who may have bad information.
So it needs to have heuristics that are robust against incomplete information. There's definitely an evolutionary just-so story about the penalty of publically committing to a risky action. But even without the evolutionary social risk, there is a moral risk to permitting an interventionist murder when you aren't all-knowing.
This looks just like the bayesian 101 example of a medical test that is 99% accurate on a disease that has 1% occurance rate. If you say that I'm in a very rare situation that requires me to commit murder, I have to assume that there are going to be many more situations that could be mistaken for this one. The "least convenient universe" story is tantalizing, but I think it leads astray here.
The trolley problem is one of the more famous thought experiments in moral philosophy, and studies by psychologists and anthropologists suggest that the response distributions to its major permutations remain roughly the same throughout all human cultures. Most people will permit pulling the lever to redirect the trolley so that it will kill one person rather than five, but will balk at pushing one fat person in front of the trolley to save the five if that is the only available option of stopping it.
However, in informal settings, where the dilemma is posed by a peer rather than a teacher or researcher, it has been my observation that there is another major category which accounts for a significant proportion of respondents' answers. Rather than choosing to flip the switch, push the fat man, or remain passive, many people will reject the question outright. They will attack the improbability of the premise, attempt to invent third options, or appeal to their emotional state in the provided scenario ("I would be too panicked to do anything",) or some combination of the above, in order to opt out of answering the question on its own terms.
However, in most cases, these excuses are not their true rejection. Those who tried to find third options or appeal to their emotional state will continue to reject the dilemma even when it is posed in its most inconvenient possible forms, where they have the time to collect themselves and make a reasoned choice, but no possibility of implementing alternative solutions.
Those who appealed to the unlikelihood of the scenario might appear to have the stronger objection; after all, the trolley dilemma is extremely improbable, and more inconvenient permutations of the problem might appear even less probable. However, trolleylike dilemmas are actually quite common in real life, when you take the scenario not as a case where only two options are available, but as a metaphor for any situation where all the available choices have negative repercussions, and attempting to optimize the outcome demands increased complicity in the dilemma. This method of framing the problem also tends not to cause people to reverse their rejections.
Ultimately, when provided with optimally inconvenient and general forms of the dilemma, most of those who rejected the question will continue to make excuses to avoid answering the question on its own terms. They will insist that there must be superior alternatives, that external circumstances will absolve them from having to make a choice, or simply that they have no responsibility to address an artificial moral dilemma.
When the respondents feel that they can possibly opt out of answering the question, the implications of the trolley problem become even more unnerving than the results from past studies suggest. It appears that we live in a world where not only will most people refuse complicity in a disaster in order to save more lives, but where many people reject outright the idea that they should have any considered set of moral standards for making hard choices at all. They have placed themselves in a reality too accommodating of their preferences to force them to have a system for dealing with situations with no ideal outcomes.