Most people like the convenience of that, if not the performance or (now) the cost.
(but, it's possible that what I'm using is also considered Docker Desktop—I just associated that term with their GUI thingy [and I think it includes some kind of sys tray widget?], which I've never used)
[EDIT] oh no you're kinda right, I think I recall having to run one command, post-install, on older versions, to set up the VM, though I don't think you still have to and that was all still handled for you, you just had to tell it to do it. `docker-machine create default` or something like that, was enough for 99% of use cases. Don't have to even do that, now, though, IIRC.
Before Docker Desktop, would need to create VM with Docker and connect to that. Docker Desktop makes that smooth and wraps in nice UI.