I hear this a lot, but I don't think it's the primary reason why Desktop Linux has negligible market share (neither does Linus, FWIW). Plenty of people build their own PCs, or have a custom PC built for them by a friend/independent shop, and even amongst these enthusiasts Linux use is rare.
The main problem, at least in my experience as a user, is the fact that Desktop Linux is janky to use. Unless you have the time and patience to learn about all the subsystems and fix the issues that keep cropping up, you're going to want to just spend the money on an OS that "just works". OSX is obviously the best in this regard, but modern Windows with automatic driver installs comes pretty damn close.
(As a developer, the fact that there's no universally agreed-upon standards make it a pain in the arse to support too.)
>Nobody's going to have good UX or fancy onboarding if they can barely find enough resources to keep the project going and fix all of the bugs, as well as handle the technological churn of keeping dependencies up to date etc.
IMO, the main issue with open-source isn't actually finding developers (people love working on OSS) but doing the kind of boring, rigorous QA that you'll see in a commercial firm. Nobody's going to volunteer to reproduce specific edge cases in a printer driver, so it sits broken for decades.