It seems entirely reasonable to pay dues for a benefit you receive. I don’t see why that’s such a big deal. You still don’t need to be involved in organising.
It’s entirely ok for the majority of workers to democratically decide that they shouldn’t have to fight for benefits that others get for free. Unions aren’t middlemen, they’re just the majority of workers in a workplace organising themselves.
And fwiw, I’ve been in two unions that were nothing like you described. I got better conditions and in one case pay because of union organising.