The Individuation Independence and Two Wrongs seem like very strong requirements, especially when taken together, where do they come from, and are they essential for deontology in general?
In the bank transfer example, the combined action still seems to violate deontology to me because you are still hacking into the bank's computer.
The bank transfer example seems silly to me. In the situation where the exchange results in a net gift to both A and B, it seems easy to get consent from both of them.
More generally, if you can produce a Right, then you can get consent for the actions you need to aggregate and they are no longer deontological wrongs.
Michael Huemer is a fan of weak deontology, the view that you should avoid committing rights violations merely to produce greater but comparable benefits (though you might be required to violate rights to produce much better consequences). But he acknowledges that while utilitarianism often contradicts our intuitions, the best reason to support it is to conclude that all other theories have more severe flaws.
The most severe flaw with weak deontology is what he in Knowledge, Reality, and Value calls the Aggregation Problem:
So this would suggest that two wrongs make a right, that two individually unacceptable actions become acceptable in combination. Huemer elaborates in “A Paradox for Weak Deontology”:
You would expect these two rules to hold for any correct moral theory, but this runs into the Aggregation Problem.
(-1 is a small harm, while +2 is a marginally larger gain)
He gives a specific example but you could think of others easily:
The contradiction between Individuation Independence and the Two Wrongs principle on the one hand and cases like Torture Transfer on the other imply that weak deontology must be false.
Possible objections have to claim that turning the first dial somehow justifies turning the second dial:
This last objection brings to mind the funny question to ask people who wouldn’t turn the lever in the Trolley Problem: If you trip and turn the lever by accident, do you have to turn it back toward the five people after you dust yourself off?
Consequentialism solves the Aggregation Problem but suffers its own problems. Virtue is subtle.