For the most part, I could agree with you.
I agree with much of what you wrote but I would dispute the third point. I have seen and experienced situations where the only option is destruction. There is the expression: you’re damned if you do and you’re damned if you don’t. Either way, you are damned. I have seen this with my own eyes and I have seen how the situation wounded a person close to me.
So I don’t find a lie to state there are situations where little if anything can be done. I have seen people come out of relationships with a narcissist partner and it has been destructive. In cases of divorce and child custody, not all solutions or dissolutions are amiable. But the party that will be hurt the most is the child and the parent who loses it.
The stoics would tell you that in the end these things don’t really matter because eventually we all die and we should just take everyday with gratitude. I agree with this to a certain point but try telling this to someone whose emotional state is on edge. I don’t foresee the result being positive. So it is with these thoughts in mind, that third cannot and does not apply to a psychological trolley problem. If you don’t want to drive the trolley and are stuck at the helm, will you feel better killing one or three? In either case, there will be blood on one’s hand and there will be guilt.
Forgive me if this comment is not to your liking. I feel some of these situations make us feel good but are occasionally detached from reality.