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I don't think that solves things because I can just come up with a scenario where all these issues don't exist, it's clear what's actually missing is rules like consent.
So, an example without these issues: someone is kidnapped (drugged, it was painless) and a surgeon without consent removes their kidney, to be used to help a dirt-poor dying child. No threat of infection, no hypothetical of it being sold to an exploitative rich person, etc. but we still have the problem the meme points.
The violation of consent itself is another form of harm, as we see in cases of r***. The scenario you proposed would still be causing more harm than the voluntary method.
Violating someone's bodily autonomy causes harm but I don't think consent itself exists in utilitarianism. "Dont do stuff to people that they dont consent to" is a rule. I think it's clear that the mental anguish of having your extra kidney taken would be less than all the pain avoided by the child not going through a slow and painful death, and all the happiness they gain in the chance to a life they can now live.
Consent certainly can be a factor in utilitarian analyses, but it depends on the philosopher how strongly it is weighted. I'm not a strict utilitarian myself; my original point was to show that the premise of the meme (and in general, public understanding of utilitarianism) focuses too much on an extreme, comically oversimplified view of utility analysis.