That is the default, because most people are OK with that :-)
See that makes it kind of a weird thing for that character to have brought up then. After all why bring something up if it only applies to people who wouldn’t care by definition.
Also you don’t really explain how religious fanaticism is going to effectively be suppressed via economics. Like how you still haven’t really given any plausible way for that to happen, like what are you going to try to starve them to death if they don’t deconvert?, that wouldn’t work for a number of reasons. Also I’m not just talking about a small number of cultists. Barring unprecedented cultural changes between now and 2064 there will still be millions if not billions of people interested in maintaining oppressive religious cultures by the time the singularity rolls around. As for them dwindling out that seems unlikely given 1. their high birth rates and 2. the fact that since the outside world is so alien it will be easy to demonize. Plus they will likely become more extreme because many people will perceive this as the end times, and the prior mentioned isolation such an alien external world would cause. Not to mention they would see how religious communities that had contact with the outside invariably fell to sin, thus making the need for isolation even more important as far as they’re concerned.
Hmm, there are two problems (though as a whole it’s the best utopia I’ve ever seen conceived) I have with this utopia.
Firstly the default is for the powers to just insert the truth into your mind with consent or even letting you know, which I imagine many people like myself would find pretty terrifying, even if it’s done in a way that we ourselves might have willingly chosen to get implemented. In fact I imagine most non-transhumanists would have pretty strong preferences against self modification and having their minds tampered with.
Secondly is the fact that I really doubt the portrayed efficacy of many of the safeguards against humans making things shitty. For instance I really doubt many hardcore social conservatives would want to even get uploaded in the first place and given their insular nature, external social pressure wouldn’t do much to get them to change, if anything it would feed their persecution complex.
A lot of the safeguards against what you call the culture trap, kind of seem like they would only work on people who were already somewhat socially progressive.
I just don’t actually think there’s any solution that preserves human autonomy that will eliminate oppressive insular cultures. Plus the more alien the outside world becomes, the easier it will be for it to be demonized. Even if you’re forcefully inserting the truth into their minds they will just end up saying that’s the voice of the devil or something in order to get people to not listen to it, the only solution is to just forcefully change their beliefs but that would totally mean dropping the idea of human autonomy.