There have been numerous requests in the past for this, going back to V5 days. The YouTrack item (originally from 2013) for this is still officially listed as “open” and “future”:
I would like to add my vote for a Gumball setting “Extrude closed planar curves to solid when possible”
That way the user can decide how they would like this to work. (my feeling is that 90%+ of users will check this setting if it is made available)
The “workaround” of first creating a planar surface and extruding the surface is just that - a hack that slows the workflow down and remains an annoyance.