Trolley dilemma (for some people, for some strange reason). The situation is, unfortunately, normalized structural violence.
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I think prisoner's dilemma is more relevant: society would overall be safer is everyone drove small cars, but individuals engage in an arm's race of bigger and bigger cars to make sure they're not the ones to die if an accident should occur
That is one aspect, yes. The point here specifically is about choosing to* harm people in order to protect private property. This is related to what's called Structural violence.