Half-baked response: I like the goal, but I worry that an opt-in system would be too easy to ignore. I imagine the exploiters working for Access Funding could come up with a pretty convincing pitch as to why their client should bypass such a service.

Personally, I wish that there was more due process around this sort of thing. So, for instance, as part of the settlement a lawyer had to be there to advise the recipient throughout the process.