The default value for a matrix object only applies when you try to actually load that value. If you just create a record from a file that doesn't contain a mapped value, it's just NULL.
So, idea 1 is that the default value should, in fact, be the value that is populated by default, regardless of whether my file has that column mapped.
The Matrix default value for a field should actually be a default value
None
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Thank you for the insight!
Your idea is under consideration, Will get back to you on the ETA
+1 to this idea!