What you're describing as an opt-out is really a gag order to prevent businesses from disclosing your misdeeds. Why should you be able to prevent others from saying true things about you?
>Why should you be able to prevent others from saying true things about you?
The obvious reason is privacy. Misdeed is subjective and the aggressive broadcasting of supposed misdeeds can be a conformist beating stick. Literal truth is a low standard for determining whether something should be said. Personally, I think Buddha's heuristic is pretty useful:
When determining whether you should say something,
Is it kind? Is it necessary? Is it honest? Does it improve upon the silence?