Musical instruments notwithstanding...there is no real ethical conundrum. I own my heart, liver, kidneys eyeballs etc. Why should I be foreced to donate them upon death. The doctors, transports teams etc all profit off my death, why shouldn't my family. It's also an incentive to live a better life healthwise if you have a chance to earn some money for your estate.
Intriguing observation that is often overlooked.