Look, nobody brings up the trolley problem because they're concerned about what they're going to do when a train car goes out of control.
They use it as a metaphor to attempt to make an argument about a different, actually real, situation. My argument is this is pointless because no real world situation will ever meaningfully resemble the trolley problem.
The correct answer to the trolley problem is STOP THE TROLLEY. "You can't do that!" "Why not?" "because magic" "well how do I know this magic is there?" "more magic!" etc etc.
What do you do if the dragon demands a sacrifice or it attacks the town? You fight the dragon.
The idea that "stop the trolley" or "slay the dragon" is cost-free is a wish. You've merely added a third horn to the dilemma. "Someone brave attempts to jump onto the moving trolley, risking their own neck" might well be the preferred choice; the expected outcome may marginally improve; the shape of the problem remains.
I hope you're arguing out of perversity, not conviction - such is valuable, and i did have to think for a minute. I agree that lateral thinking can be productive.