[hu3]

iCloud end-to-end encryption is disabled by default.

So by default, user data is not protected.

https://support.apple.com/en-us/102651

[theshrike79]

Yes, because the UX is better that way.

With ADP if your mom loses her encryption keys, it's all gone. Forever. Permanently.

And of course it's Apple's fault somehow. That's why it's not the default.