Why does a random app (with no special permissions given to it) get access to so much info, and why doesn't Apple tell users this (important) info? Why can't Apple make a long list of check boxes so users can dis/allow on a per-category and per-app basis?

E.g. I had no idea a random app you install (and give no permissions to) instantly has a list of every app installed on the device (e.g. can infer whether you're dating [or cheating!] from presence of tinder/bumble/hinge). That alone seems instantly monetizable by unscrupulous actors via 'is-my-partner-cheating' as a service: charge $10 to give a probable answer.