Just to be a little pedantic: Your refinery example isn't a trolley problem, because there are more than two choices, and one of the possible choices is "don't

Just to be a little pedantic: Your refinery example isn't a trolley problem, because there are more than two choices, and one of the possible choices is "don't build it in the first place". The refinery example allows foresight, which the trolley problem doesn't. "I would build the tracks differently" isn't a possible answer to the trolley problem. The whole point is that it's too late to make any other decision than "kill few" or "kill many".