authx: Proposal: Make "require" the default user policy instead of "optional"
If you look at https://docs.civicrm.org/dev/en/latest/framework/authx/#settings the default setting for the XXX_user
settings is "optional" which means a corresponding cms user doesn't need to exist in order to log in. This seems unintuitive as a default. My expectation is that it would work the same way as regular logins by default, so should default to "require".