> Backing up to a computer could be made somewhat easier, though.
How? It's about as easy as it gets. It's just easier to use iCloud backups because it takes less steps.
> And iCloud could have a warning instead of being on by default.
Why? If it had a warning and the person doesn't have another computer to back up to, they wouldn't have backups at all. That actually makes things worse for the consumer.
You could theoritally make an argument that the phone could auto-detect if you have a suitable computer for backing up to and then suggest that instead of iCloud, but why would Apple do that?
And furthermore, there would then need to be additional warnings about how you need to back up your computer too otherwise if you lose your phone then your computer is your only backup until you get a new phone.
I think you're grasping at straws here. It's a better user experience for the average user to just have iCloud on by default. They made it plenty easy for power users and even non-power users who care about privacy to avoid iCloud. I don't think they have a legal or moral obligation to steer you away from iCloud.