I just said ‘git clone’ to my wife and she slapped me in the face. I’m sorry but for the aforementioned regular users this is nowhere near common.
In Linux, .sh installers are common. GOG games get distributed this way. If your wife still metaphorically slaps you when you mention .sh installers, it's only because she doesn't play games on Linux. She wouldn't know how to use apt either.
I think in the end the truth is that Windows is more targeted by malware because it's more widespread than Linux.