This is really an nginx question. The default backend is where it redirects you to when you attempt to access a resource that doesn't have a path associated to it in the ingress, as in, there is likely no actual entry in any ingress resource for host 'whatever your IP address is' with path '/', so you get the default backend, which is not going to serve a real certificate because it's not a real resource, just a place to sink 404s.
To get a real certificate, you need to create a secret in the same namespace as the Ingress, of type tls with entries for tls.crt and tls.key, and give the secret name to the Ingress. It's usually easiest to automate this with cert-manager, but if you're issuing certificates yourself, read the documentation for your ingress controller.