How to create subtitles without the black background

Hi!

I'm new to FCPX, could someone point out the easiest way to create subtitles in HD without the black background that comes by default.

Many thanks in advance.

Not a good idea. It's there for a reason.

- - - - - - - - - - - - -

- - - - - - - - - - - - -
If you insist going that direction simply overlay as a 'title'.
.
This is another option where text is outlined but you'll definitely need foreground/background separation for legibility.
.
 

Here's something I've been toying with.... MacWhisper (free version). A speech to text app for doing subtitles. No uploading anywhere. All data stays local. Does a remarkable job. I'll run off an initial SRT file and let the client verify word accuracy & make corrections.
- - -

- - -
Here's something I just ran through Compressor which is the first time I've had it do subs. Very promising.
= = =

- - -

- - -

- - -
The beauty of generating SRT files on projects you have no interest in captioning is doing a search which'll zero in where a word or name was mentioned without having to scrub through video.