The answer to this objection is that rule-consequentialism endorses a rule requiring one to prevent disaster, even if doing so requires breaking other rules (Brandt 1992: 87–8, 150–1, 156–7). To be sure, there are many complexities about what counts as a disaster. Think about what counts as a disaster when the “prevent disaster” rule is in competition with a rule against lying. Now think about what counts as a disaster when the “prevent disaster” rule is in competition with a rule against stealing, or even more when in competition with a rule against physically harming the innocent.  Rule-consequentialism may need to be clearer about such matters. But at least it cannot rightly be accused of potentially leading to disaster.