As a large proportion of hobby lathes go to rank beginners, it makes sense to supply a 3 jaw that will meet most of their likely needs, requires no additional equipment to use (without a dti + stand/holder it's questionable is a 4-jaw is more accurate than any 3-jaw) and is also intuitive in its use.
It's also worth bearing in mind that modern, mass-produced 3-jaw chucks are generally not far behind the very expensive ones in performance.
A new lathe with just a 4-jaw is putting an unnecessary set of hurdles in the path of a beginner who, understandably, just wants to get started.
For resetting work accurately the 4-jaw does, of course, come into its own and almost all of use will have one.
For day to day work by a relatively hobby experience machinist, I would argue the best general purpose chuck is down to personal preference and a host of variables (how good your 3-jaw is, how skilled you are a setting work in a 4-jaw and the nature of what you are machining).
In my own case, i generally use a 3-jaw but the main factor deciding which to use is 'can I do this job faster/better with the chuck already fitted to the lathe?'
Neil