Why do news "talking heads" keep presenting the false alternative of budget legislation or default. Doesn't that insult your intelligence?

The US government owes lots of money. And it takes in less money than the bills that have to be paid.
But there is plenty of money to pay the interest on the debt. The government’s creditors will be paid, no problem. There will not be a “default” anytime soon.
So why does the media keep referring to the risk of default if this bill or that does not pass.
Do they think we are stupid?
Maybe we don’t want to know the answer….