Fellow light theme user here. Forced terminal colors are the bane of my existence. I would kill for a contrast-aware terminal emulator that forces every character to have a minimum contrast with its background.
For 99% of things it's not really an issue so I never bothered: you can either configure the colours or you can just disable them fairly easily.
Windows Terminal has something like this, but finds a way to screw it up. I use Windows Terminal for development over SSH in my current job. It has a checkbox "Automatically adjust lightness of indistinguishable text" (non-adjustable), but it doesn't seem to change the cursor. Whatever colour I set the cursor to, whatever shape, and even with blinking, the cursor is nearly invisible in some of the terminal tools I use, when it is close to the background colour. Even ancient terminal emulators pick a contrasting colour for the cursor. It is an obvious requirement, and Windows Terminal does the opposite, so you can see text but not the cursor.