It's actually an excellent analogy. And as you point out, the technology is man-made, and humanity is distinct in being particualrly non-uniform in how they think and what their preferences are. As a result, what works for many people may not work for a minority of certain other people. Unfortunately this time, you're on the losing side of this. It happens.
Until Apple perfects hardware that can read minds, some effort will be required to let your phone (and icloud account) know what your preferences are.
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Like your whole argument, you're assuming that your specific experience is universal. It's not.
I know this is old but wanted to throw in my 2 cents. I agree that the backup function should not be able to arbitrarily determine what gets backed up and what does not and that having these items off by default might present issues to the average user. But I ask ...
1. Why must the apps be turned off one by one? Why not provide a turn off all function so that we can then turn those back on that we would want backed up. This would be far less time consuming then turning them off one by one.
2. Why are they all turned back with one delete backup selection? Of course - a 'turn off all' option would de-emphasize this one.