I believe there's no built-in function in JIRA to configure this (and I don't see any good use for it for Atlassian to include by default). You can however:
Both are a nightmare to maintain.
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IMHO the good reason is usability: People usually assume that the default setting is the correct setting if their use case is the default use case in that company. To change the project type afterwards can be cumbersome, I can tell you from personal experience.
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