Checksumming is rather not free on today's CPUs unless you use something like xxhash which operates close to RAM speed.
Journaling is rather useful because especially consumer desktop computers tend to be mistreated and crash a lot. The physical journal in ext4 prevents the worst when stuff gets hairy. Additionally, it does not effectively delete data like ZFS (or rather, make it very very hard to access data) just because a bit was corrupted.
I think a user will value their family pictures more than some random text file suddenly having another character somewhere, they will loose data with a checksumming FS on a normal machine. There is no second drive to pull a good copy of the data from. There is one. And you just killed the last picture of grandma. Congrats.
>Why waste clock cycles on a journal when you might not need it?
Journaling wastes mostly bandwidth and IO, not much CPU and clock cycles.
>Roll-back last system-wide update? Done. Backup consistency? Free and vastly simplified.
That is indeed something you can do with a CoW system but the tools to achieve this are in my experience not fully mature yet.
The same tasks can also be achieved without snapshots at all, NixOS seems to be doing fine.
>Backup consistency? Free and vastly simplified.
Snapshots are not backups. If you pretend they are you will loose all your data.
Snapshots are snapshots. Nothing more and nothing less. Not backups.
>But this should be the default for all user-facing machines as well as servers.
I've not stated they shouldn't be default, rather, that the end user does not necessarily need them.
Though, ZFS is doing a rather poor job on all these tasks, especially disk management on ZFS is a hassle I wouldn't have a typical end user face. I think Bcache FS is a much cleaner and better design than ZFS, which is rather unflexible.
But again, I don't see the immediate need for every end user machine to have a checksumming and CoW filesystem, people have been doing fine for years without them and I doubt there is chaos and fire everywhere as you seem to imply. It could be a little bit better but ext4 is a perfectly fine filesystem for production data.
If you rely on checksumming and snapshots for your data safety, you're in for a bad time. Proper backups, not snapshots, will beat snapshots any day. Checksums make data inaccessible, a rather bad choice for a user machine. Whoops, I guess those family photos are totally unusuable because 1 bit has corrupted.