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If I can't opt-out? It totally is. I would be charged for a service/perk I would not want so that others might have a lower group rate.

The only way it's financially viable for a company to offer perks like that is if everyone buys in. It becomes an opportunity cost for employees that don't have any interest in the perks.

It's subsidies for socialist employees and people bad at math. They cost the company less then handing out money and letting the employees manage their own affairs due to efficiency of scale. The issues start when your workforce shrinks or enough don't care about subsidizing food and perks and...