All attempts on the test net:
I installed version 2.3.0 on a new device. After that I clicked receive, sent me some DFI and left the wallet again. When I left, I did not create a backup, because backups are only necessary for emergencies, but not for everyday use.
Then I tried to open the app again.

The wallet was opened, but the account balance was 0.
I did this test 3 times. 3 times the same result. The default Wallet.dat does not store private keys.

Then I changed the test. I have saved the backup. After that I could choose between the backup and the default file when restoring. The backup contains the coins, the default wallet does not.
Why does the standard wallet not store private keys?
@RobinTorque: Thanks for opening an issue, it is currently awaiting triage.
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Hi @RobinTorque , thanks for your feedback, please give us time to investigate this.
/triage accepted
The problem was fixed with version V2.3.2.
@izzycsy The issue can be closed from my point of view.
Thanks @RobinTorque
I'll re-open this for v2.3.2 @RobinTorque. It will not be included on this version. Unfortunately the issue requires a different fix as it causes other major issues.
Currently, what happens is:
wallet.dat. Initially it's empty.The issue occurs because we delete the default wallet.dat. We backup them every time we delete it (e.g, wallet-bak-dateofbackup.dat) on the default wallet directory so funds are safe. My initial fix caused some regressions that I had to rollback. I will do a proper fix for this on the next release.
This issue has been automatically marked as stale because it has not had recent activity. It will be closed if no further activity occurs. Thank you for your contributions.
Most helpful comment
I'll re-open this for v2.3.2 @RobinTorque. It will not be included on this version. Unfortunately the issue requires a different fix as it causes other major issues.
Currently, what happens is:
wallet.dat. Initially it's empty.The issue occurs because we delete the default
wallet.dat. We backup them every time we delete it (e.g, wallet-bak-dateofbackup.dat) on the default wallet directory so funds are safe. My initial fix caused some regressions that I had to rollback. I will do a proper fix for this on the next release.