Ok, let's say username/password is mandatory and enabled by default. I see to options.
Option one, they generate an unique password for every installation – non trivial to do, because at which point do you do it? It can't be before a cluster is formed, as you'll have a split brain generating a bunch of credentials. If you do it afterwards, then there is a period of time when you cluster is not yet protected. Worse yet, unprotected and handshaking authentication. So you don't do that.
You could make the user input the credentials. What is to prevent them from creating weak credentials? And worse, they have to do that for every node (or at least the masters). Not a good experience and lost credentials will probably be the subject of a good many support calls.
So most products don't do that. What they do is default passwords. Which is arguably no security at all and doesn't protect anything. It may make it just a tiny bit easier to do the right thing afterwards (by changing to better credentials). Still, there's a period of time while the cluster is unprotected (default credentials are as good as no credentials).
Authentication does little to protect against the sort of people who are exposing databases to the public. If it is easily disabled, then they will be doing just that. Because they are already doing that by forcing databases to bind to publicly accessible interfaces.