Preliminary Findings from a Qualitative Study on iNaturalist Users License Choices Show There is a Substantial Portion of iNaturalist Users Who Have "All Rights Reserved" by Mistake

This proportion is similar to that of amphibian and reptile observations in Austria (see https://forum.inaturalist.org/t/missing-or-wrong-license-for-gbif/53119).
CC-BY-ND, CC-BY-NC-SA and CC-BY-NC-ND only play a minor role and apart from CC-BY-NC most people (unintentionally) choose “All rights reserved”.
In my experience, however, one has just to ask the observer to change the license, and in most cases they will do it because they are just unaware of the topic.