Normally , it's more for less but here we have a simple case of less for more.
Lots of people won't have a standard set of headphones (or they might from their old phone). Not everyone wants airpods either. With or without headphones I can probably live without.
The charger one - as long as it's on USB-C, I have a few of them about and slow chargers in the wall sockets. Again, I could probably use the fast charger that came with my old phone.
I personally think everything needed to operate the phone should be in the package - headphones are extra but powering the thing - the charger should come as standard. Also - would Apple refuse to repair as you used a charger ordered off Wish/Amazon?