Neonchameleon
Legend
As long as you accept that the side that's interested in DIY are the inclusionists. And the side that wants to exclude as a default is those who don't want to DIY things. That's far more reflective of the whole picture.It’s one way to look at the division. It clearly isn’t the whole picture.
The argument is, despite hyperbole, between those with a default of including unless there is a very good reason to exclude and those with a default of excluding. I've repeatedly mentioned Kender as an example of those that should be excluded by anyone. Even on Krynn.By the author(s) of the setting. That might be the author of a published setting, the DM when running a homebrew setting, or the group as a whole if they are co-creating it.
I think you’ll find there are very few DMs who believe they should be the all-powerful, sole curator. Most are willing to do some amount of collaboration with their players, and many have a back-and-forth with the default assumptions of a pre-published setting and their and/or their players’ desires for the setting.
Also there's a major difference between a third party and a homebrew. In a homebrew things are the way they are ultimately because you made them that way. The setting is Doylist whatever the Watsonian justifications. If you're making the setting the only reason anything that's not deliberately designed to mess up the setting is excluded is because you say so. And the real world is pretty weird.
And with the level of magic present in D&D wizards are absolutely going to do things. So are gods and clerics. In lower magic games things are different - but D&D (especially in later editions) has very powerful magic.