There is simply no way, to please everyone with the easy pay selection.
No matter what the default is, some people are going to say, "please change it"
My suspicion is, easy pay, is very popular, so, it's the default.
I've seen many posters say, that have have no intention, of using EP but they select it anyway, to get the item home, with minimal charge, to check it out, and be sure they want to keep it. If so, they go in and pay off the balance.
Another way, to use EP.