Just Because.
What's wrong with letting people read your files? got something to hide?
(just kidding)
Actually default permissions are 666. The sign of the devil. Linux is of satan so we try to hide that fact using the umask utility.
Umask is set at the default of 0022. The first zero is for special stuff like sticky bit's for suid'ing files thru weird commands like chmod 7755 whatever, so we don't worry about it usually. So we pretend it's just 022.
Default permissions 666, Umask 022. So when we make a file it's 666 - 022 = 644.
Of course if you don't like that behavior you simply type: umask 066.
that changes it the default permissions to 600, or -rw-------