Fidelity never asked for my income. My wife and I are above the income limit to contribute to a Roth IRA so I started doing the backdoor conversion. If I were to open a Roth IRA and just contribute straight to it how would fidelity know that I’m ineligible?
Fidelity wouldn’t know - brokerages doesn’t keep track of your eligibility; brokerage’s job is to allow you to open an account. The IRS will know when you file your tax return, and there will be consequences.