That's the gap between a computer enthusiast and average population. Most people weren't on a campus with a LAN. Many people were relying on 33.6K dial-up with metered a metered ISP, often on their phone line they needed to receive calls. For most people MP3s were just too hard to transfer.

Cheap CDRs were the other big breakthrough. Now people had a reason to download music so they could burn it to listen in their car. But that's well after Win95.