I was going to edit my post above a bit to make it clearer but waited to long and could not edit it anymore, so this is a somewhat reworded version:
I was wondering why mine started requiring me to manually change crop to freeform every time, when it had defaulted to freeform until recently. After searching and reading from a few sites, I realize it changed when I recently set my "creative controls" to on (under phone settings, camera, preserve settings) so it would remember the 16:9 aspect ratio that I usually use (creative controls will remember aspect and some other settings most recently used, rather than always resetting to 4:3). It had annoyed me that I always had to change it to 16:9 when taking a photo. This post from a couple years ago gave me the "aha" moment: How can I make "freeform" the default cro… - Apple Community
Apparently, freeform can be the default crop setting only for the default 4:3 aspect ratio photos. For photos using one of the built-in crop aspect ratios, the crop setting also locks to that aspect ratio until you change it (if you change to freeform and edit and save, it will still be set to freeform if you go in to edit that photo again). As indicated in the post above, when we take a 16:9 or square aspect ratio photo, it is actually taking a 4:3 photo cropped to that chosen aspect ratio. And, since it is already "cropped" to an aspect ratio, by default the crop setting is locked to the same aspect ratio, and we need to manually change to freeform. Note that if we choose Original on the left in the crop aspect setting, it reverts to the 4:3 photo we actually took, adding more around the 16:9 or square photo we might have thought we were taking.
I had changed my creative control setting to keep my 16:9 aspect as my default since I most frequently take landscapes and wanted the wider shot. But, since I am actually taking a 4:3 photo anyway, I have now turned off the creative control option and will just let it always revert to the default 4:3 with freeform crop as the default. I will just take photos in 4:3 and crop each as desired to get what looks best to me.