Creating a class object will cause all of the instance fields to come into existence before anything--even the class constructor--can access it, and allocating an array will cause all of its elements to exist before anything can access the array. Both of these actions will cause all of the memory allocated to those fields or elements to be zeroed out without regard for the data types to be stored therein.
When a class-type storage location comes into existence, it will initially hold a null reference. When a structure-type storage location comes into existence, all of its fields (and any fields of structures within it) will do so simultaneously. Unlike class object instances which can only come into existence by using a constructor, structure-type storage locations are brought into existence without using any of the structure's own code. Consequently, the structure's definition will have no say in what should happen when "instances" [i.e. struct-type storage locations] come into existence.
A struct is, fundamentally, a collection of fields bound together with duct tape. If a struct is supposed to behave like something else, it should typically make its fields private and pretend to be immutable [even though struct assignment actually mutates the destination struct by overwriting all its fields with the corresponding values from the source, and the struct definition gets no say in the matter]. If, however, a struct is supposed to encapsulate a fixed set of related but independent values (e.g. the coordinates of a point), which may independently accommodate any combination of values which are legal for their respective types, a struct should simply expose its fields publicly. Some people may whine about "mutable structs are evil", but the evils only apply when invoking self-mutating methods on a struct. Structs which expose their state as fields behave like collections of variables stuck together with duct tape. If what one needs is a collection of variables stuck together with duct tape, trying to make a struct pretend to be immutable will simply make it harder to program with.