The opt-out option is always there! You can say in advance that you do not want to be in.
And when the moment turns out to be there, your family are still the ones saying yes or no.. So plenty of options still!

And yeah, I share your opinion, cant no anything with your organs while being dead, so might as well give em to somebody ill!
My opinion is same way biased, Im voluntarily and I also find it annoying that everybody wants organs but nobody is willing to donate them