The problem with opt in is that most people, where most crashes occur, would never read what the prompt says asking them to send the data, they would just press the x in the corner because a dialog box popped up they didnt ask for. "What did that box say. I dont know. Why did you close it. Because I didnt want it."
You're describing a UX issue with the worst possible way this could be implemented. What chafes me is not that I'm not asked for permission for every crash report, but that I don't have the option to disable crash reports at all.
I want your data sent to Microsoft too, for the same reason. I don't want my data sent to Microsoft, though.
That's right, because all these unsolicited prompts and notifications are a waste of people's valuable time. A well-designed OS should aggressively keep quiet, stay out of the way, and err on the side of user privacy.
Your Windows crashing is an issue strictly between you, Microsoft, and the makers of whatever software and hardware you were using when the crash occurred. Absolutely nothing to do with anybody else.