If Apple included a charger, then which one should it be? The 15W MagSafe? Or one of the 5W/12W/20W/30W USB chargers? Which one do you want? Realistically, most people have at least one USB charger lying around, regardless of if it's an Apple one or not, but they will all work, all you need is a lightning cable. It comes with a USB-C lightning cable, as Apple thinks USB-C is superior, but you can still use a USB to lightning cable.
The sum of it is that you find the iPhone 12, with or without a charger, too expensive. Yep, Apple overcharges for everything. But they mostly make really really good stuff, so we buy it.