“Opting out” doesn’t mean you “opt in” to whatever forced you to “opt out” to begin with.
If I give you a choice between being punched in the face or getting kicked in the crotch, it’s not moral acquiescence to either regardless which you choose.
Your argument rests on a fallacy- “vote with your wallet”. This presumes that we don’t vote with our voice anymore, so it supersedes a democratic system of governance.
Consider: “if you oppose slavery, just don’t buy slaves, and we’ll let the market sort out who’s right and wrong”