Are you saying I either have to pay $3 to opt out or save $3 to opt in?
Or are you saying the base price remains the same if I opt out, but I would get a $3 discount if I opt in?
I would find scenario #2 a more suitable option. Meaning I'd happily pay the standard price in exchange for opting out, but people who choose to opt in receive a small discount in exchange for their willingness to be used as marketing collateral.
Explicitly charging people to opt out just leaves a bad taste in mouth. And it just makes me thing you are going to nickel and dime me every chance you get.
To be honest, if all the standard painting prices were increased by $3 to roll in the opt out cost, I probably wouldn't care. It's the explicit charging for opting out that rubs me the wrong way and I don't think I've ever encountered it before on any other online transaction I've completed.
I get why it seems distasteful, but I personally thought it was pretty clever. This site thrives on good, real world examples in the home page, so it would make sense to incentivize people to agree to let the site use their examples. If it were a larger company I would probably not like it either, but I'm willing to give a pass to a very small business.
Maybe there is a lot of value in having lots of samples. People are more likely to give permission to get out of the fee than to get a discount.
Personally I'd increase the discount to around 10% (raising the base price to compensate) and have "Allow us to use this as a sample" checked by default; but I wonder what % of people have a strong reaction like the OP here.
Why are you making people pay $3.00 to NOT appear in your gallery of samples?
Sorry, but that seems absolutely ridiculous and is a deal breaker for me.
[1] http://imgur.com/a/RMcvV