In zcash the wallet is what’s responsible for what is “default”. Zashi is private by default, but the optional transparency of zcash is a feature that makes zcash tenable from a regulatory standpoint.
The trusted ceremony is solved now, btw.
Also, Monero is not all that anonymous - the anonymity set is only about 11 transactions, compare that to zcash’s anonymity set of every shielded transaction ever.