AFAIA the default camera app doesn't allow you to shoot in RAW, it doesn't even give you the fundamental manual expsure controls, and that's part of my point - the defaults are designed to make it easy and make the photos look good on the phone, which is what 99% of users want.
I'm absolutely fine with that, BTW, but it's rather frustrating that the out of the box camera app doesn't include the ability to control the three fundamental exposure factors. Not even hidden behind an "advanced" setting or anything.
I know Apple like to push the whole "shot on an iPhone" thing, and they want to make sure the default app is giving the "best" quality. So maybe that's the reason they don't include them?
And to take your analogy further - I have a Polaroid 195, it has full manual controls. Of course, it was aimed at pro photographers who wanted those controls, and sold at a premium.
If you're dealing with HDR artifacts, it sounds like you aren't shooting RAW. Shoot RAW, and you can process it however you want.