"cargo init" and "cargo new" default to the 2021 edition, and have ever since it was stabilized: https://github.com/rust-lang/cargo/pull/9800
Either you accidentally installed a version of cargo from before the 2021 edition was stabilized, or you ran "cargo new --edition <something>", or you started by cloning an out of date project of some sort, in which case it's not really an issue with "defaults".
> smart defaults for the compiler. I was surprised how many lines I had to add to my cargo.toml
Normally this would be a pointlessly pedantic point, but cargo is not the compiler. This thread, the linked title blog post, they are about the rust compiler, not cargo. There's a close relationship, but cargo's defaults aren't necessarily related to what the "next rust compiler" might do.