It is true that usually NAT is configured by default to not accept connections from outside to inside, but any firewall should have default rules that forbid such connections for any protocol, both for IPv4 and for IPv6.
Nonetheless, you are probably right that many, maybe most, home routers/firewalls might come with bad default configurations, where instead of having sane default rules for IPv6, there might be just a default rule to pass all.
If that is the case, it is not the fault of IPv6 but of the device manufacturers. For NAT it is also possible to put stupid default firewall rules, that just is less common, because almost all customers use NAT and the bad defaults are frequently noticed and reported.