Well, the problem is that there are no settings.

(I cringe whenever I see people using HDR on every shot but I dont blame them because it's the only choice they see)
I'm fine with dumbing things down to cater to the bulk of the userbase, but would it really hurt to offer other options in an non-default Settings option? It's not "pro level" to say that you want a higher shutter speed for action shots or that you don't want your night shots ultra grainy because the software cranked the ISO way too high so the inclusion of even a few simple presets (Fireworks, Nighttime, Running Dude) would benefit everyone and unlock so much of the hidden potential in Apples cameras.
(BTW. I had an S4 for a month and was blown away by the camera.I know the S4 is the definition of "feature overload" but if it were Apple that brought out some of those built in camera features then it would be in their commercials and the forums would actually have something to brag about. But because it's Samsung then their innovations get pushed aside in favor of outdated copycat arguments.)