The Dropbox fallacy doesn't really apply here. What user is technical enough to use a terminal but not technical enough to configure it, especially since the main ones on Apple machines are configured with a nice GUI that takes a few clicks to customize?

And even if config files were involved, do you think people configure their terminals (editors, whatever) not to increase productivity? Do you think we use vi as a sort of fidget spinner, and just edit our configs for the sake of editing them?

The other commenters are right: Warp has no real target user base. This, I believe is by design because their business model is Juicero for bash. They exist to farm VC money.

Those people just use Terminal.app or Windows Terminal. They're not installing alternative terminals emulators.