Not all systems, but some (RHEL, I think?) default alias rm='rm -i', yes
A guard I often make for myself is removing/disabling the delete key on my keyboard, and setting FN+Backspace to Delete with whatever control software is involved. I often then repurpose the delete key location to F2, which is typically used to “Edit” a spreadsheet cell or file name.
* Yes, on some systems rm is aliased to rm -i by default.
* Some scripts will use rm -f because normal rm returns an error if the target already doesn't exist but -f doesn't care.
* Finally, sometimes files are just ... I think it's being marked read-only that does it? I've hit this while trying to rm a git checkout; you actually do need to add -f sometimes to succeed. So if you just add -f then it'll always work.