Dirt simple songs usually just use the triad, i.e. a three note chord like the plain ole C or F or G. As we get a little more into our music we normally make the five chord (G) into a dominant seven or G7. Your question asks why? Adding the b7 note adds to the tension the five chord has and it is now the dominant seven chord and wants to resolve to the tonic C chord RIGHT NOW. Most of the time we just do it because we think that is what is done.
The C or Cmaj7 - making the C into a Cmaj7 chord adds flavor, notice the 7 is a natural 7 not a b7. That's why it is called a major seven. As we move into fancier songs we let the correct 7 come into what we are doing. Spend some time with building chords using
the stacking of 3rds method and I think which ones get a natural 7 and which get a flatted 7 will become clear. In a nut shell here is how it goes;
Two octaves of the C scale = C, D, E, F, G, A, B, C, D, E, F, G, A, B, C To find the chords made from the C major scale we stack the C major scale in 3rds........ every other note
C is a three note triad so we use the C, E & G notes and get a C chord.
Cmaj7 is a four note chord so we use the C, E, G and B notes and this makes a Cmaj7 chord.
Now lets take the next note in the C major scale, the D, and make some chords for it. The D triad would have the D, F and A notes and be called a Dm chord. Whoa - Dm (D minor) how did that happen? Good question.
But lets first take our D chord out to a four note chord and add the 7th note. OK we have D, F, A now add the C note. Is that major or minor? Lets see the D major scale is D, E, F#, G, A, B, C# Our chord has the D, F, A and C notes in it so the F# and the C# have been flatted and we "spell" this R-b3-5-b7, i.e. if the 3rd note has been flatted that automatically makes that chord a minor chord. Drum roll. Notice the seven has also been flatted. Yep most minor seven chords have a flatted 7 seven note.
For grins take the C major scale on out to find all the chords made from it. Use this to check yourself.
Chords In The Key Of C No really do it yourself, I want you to see how the correct notes get into the chords when we stack the scale in 3rds.
One other thing you asked about:
Yes the I-IV-V chords in
a major scale end up being major chords. Major chords are the structure chords that help move the verse along in the progression, the minor chords add flavor or color. That is why simple songs just include the structure or major chords. As we get fancy we bring in some color or minor chords into the mix. The vi chord is a neutral chord and works well adding some flavor. The vi chord is the relative minor chord of the scale and is a natural choice. Jazz will use the ii-V7-I progression, but, this is another story best left for later.
For grins stack the Cm scale and see what happens.
Have fun.
You may find post # 7 in
Help! Struggling to recognize I-V chord change | TalkBass.com helpful.