Orthodox contractualists and rule consequentialists think that, for any action, the consequences of everyone performing that action determine whether that action is permissible. For them, “what if everyone did that?” is the fundamental moral question. By making “what if everyone did that?” the fundamental question of good moral reasoning, these moral theories can easily justify prohibitions on free-riding. But it also makes them face the ideal world problem. I argue that it was a mistake for moral theorists to generalize from an objection appropriate to cases of free-riding to all of morality. In short, we should understand the question “what if everyone did that?” to give expression to one, and only one, kind of objection to one’s action—namely, that, by performing that action, one would be making an exception of oneself. If we limit the scope of “what if everyone did that?” in this way, we can justify prohibitions on free-riding while avoiding the ideal world problem.