[1] http://colorbrewer2.org/#type=qualitative&scheme=Paired&n=3
That said, if you think color accessibility is about picking the right categories of colors you have a long way to go.
The important thing is that the colors need to have sufficient contrast beyond mere hue. Light green and deep red is fine for me as a strong deutan (i.e. severely green blind) even though there are combinations of "red" and "green" that are practically indistinguishable for me.
Obviously accessibility is about more than picking colors, but if a complaint is 'this is a bad color pair' it is interesting to know what is a better pair.
As for contrast beyond hue, does that include saturation? Because keeping luminance constant is an important part of keeping an interface legible.
I'd say a red-blue default with full configurability might be the best approach.
I believe something like orangish red and bluish green are distinct enough to most people with a red-green deficiency (including myself). The difference in ”blue content” makes them distinguishable.
So, why use a white background? Because it may feel better, and it may have nothing to do with paper.
Also, an objective reason: with black background in your text editor, it can be painful to switch to windows with a white background. If you try to set everything black background, you run into bugs: broken webpages, mails that set a white background anyway (bonus if they don't set the text color, or nothing is set but some words are highlighted or colored), documents, PDFs. I know because I tried. With support for dark themes in CSS it will probably improve but we are not there yet and you pretty much are in an unsupported territory.
The question also work in the opposite way: why use a dark background? Same answer: preference. For ecological reasons? It depends on the screen, and it should be measured especially if you compensate by setting the screen brightness higher.