It wouldn’t change anything because this is the reality we have. I wouldn’t suddenly become immoral because there are still consequences and even if some people or even everyone but me is not real, they will still react as though they have emotions. If I hurt my wife, she would still cry. If I did something bad enough, she might divorce me. Take half my stuff. Lose some access to my kids. Those are all real consequences even if the people are simulated.

Maybe I’d be less concerned for people not immediately around me because any good simulation wouldn’t actually sim everything out of range, so there wouldn’t e.g. be Palestinians starving to death if no one “real” was there.

I suppose it would re-open the question of existence beyond death, but I don’t think I would ultimately come to a different conclusion—there is no reason to think this experience would continue past my own death, and if I were memory-wiped and re-inserted it wouldn’t really be the same me anyway, right?

If it were matrix-style there is a reality out there to experience if I can leave the simulation, I’d have some hard thinking to do about whether that would be likely to be a better existence than the one I’m having here.