So by default, it sends a secure end-to-end message, and you'd prefer it to fail back and send an insecure SMS logged by your telco? (Verizon, for example, makes your SMS history available in a web portal.)
I think the bigger issue would be if iMessage burned your SMS plan and sent insecure messages without you explicitly asking to.
Defaulting to losing the security and privacy seems more "frankly absolutely ridiculous".