Hey there MessariG,
Thanks for reaching out to us here. Understanding how Chart of accounts work in QuickBooks Online is important. I would be happy to provide some information.
When setting up your QuickBooks account, it will ask which type of industry it is. It will then load the accounts according to what you have chosen. Sometimes there are glitches in the system which can cause the missing default accounts. This is most likely to be the reason you're not seeing the default Chart of accounts. Although there isn't a fix for this at this time, I recommend leaving feedback by heading to the Gear icon and selecting the Feedback option. These comments are viewed and considered by our developers as they create new features and updates for QuickBooks.
If you have any other questions, feel free to reach out to us here.