How we make moral decisions

Imagine that one day you're riding the train and decide to hop the turnstile to avoid paying the fare. It probably won't have a big impact on the financial well-being of your local transportation system. But now ask yourself, "What if everyone did that?" The outcome is much different -- the system would likely go bankrupt and no one would be able to ride the train anymore. Moral philosophers have long believed this type of reasoning, known as universalization, is the best way to make moral decisions. But do ordinary people spontaneously use this kind of moral judgment in their everyday lives?