Is the ckeditor or other editor supposed to be automatically installed? In a fresh install of Drupal 7, when you create and article or page, is there supposed to be an editor?  When I create an article or page, it's just the text area where you type in the content.  There is no editor so I can bold, upload an image, justify, etc.

Did I do something wrong?

admin/config/text formats, Full html, Administrator; I am the administrator.
No there's no WYSIWYG editor included with Drupal, you need to install one of the contrib modules.

WYSIWYG is the standard solution as it gives you a choice of editors, but there are others like the standalone CKEditor module.