It's not opt-in for the owner of the network, who should really have a say in the matter.
I do use this feature from time to time, but it's typically on networks where either I'm the owner, or the owner's given me permission to share the creds.
This also opens up an attack surface (which I got to experience firsthand on a burner device at DEF CON 31), where someone spoofs an Apple device requesting network creds. The attack itself involves spamming share requests and catching you off guard, causing you to hit OK, or you just hit OK out of notification fatigue.