What usually happens is that a person decides, while relatively young and healthy, that they want to be cryopreserved, and at that point they sign up with an organization that provides cryopreservation services and arrange for them to be paid (e.g., by buying a life insurance policy that pays out as much as the organization charges). Later, when they die, the organization sends people to do the cryopreservation. No last-minute panicked decisions are generally involved, other than maybe "so, should we call the cryo people now?".

I have not heard of anyone deciding while still young and healthy that they want to get frozen[1] right now this minute. Not least because pretty much everyone agrees that there's at least a considerable chance that they will never get revived, and giving up the rest of your life now for the sake of some unknown-but-maybe-quite-small chance of getting revived in an unknown-but-maybe-quite-bad future doesn't seem like a good tradeoff. And also because the next thing to happen might be a murder charge against the people doing the cryopreservation.

[1] "Frozen" is not actually quite the right word given current cryopreservation methods, but it'll do.