I've been using computers for decades. I've set up tons of systems, built them from scratch, torn them apart when they misbehaved, fixed too many to count. But enough is enough. Windows is an utter kludge, the ultimate tar baby, sucking you in, making things harder and harder, until you are hopelessly snagged and stuck, exhausted from fighting with it, resigned to despair. They could train soldiers to kill by forcing them to struggle with this.
Some users do avoid heartache.
But sooner or later they have to install and deinstall something, or try something tricky, and the whole house of cards comes crashing painfully down. As a result, lots of people avoid making any changes, or doing anything the least bit fancy. A recent study asked PC users for their top concern when buying products. It wasn't features or speed or cost. It was reliability.