I wouldn't compare learning folders to learning car ignition timing. That's more like learning about inodes--something that's interesting but irrelevant to anyone but enthusiasts.

I would instead compare folders to knowing that your car's oil must be changed. (Who doesn't love a car analogy?) You can survive without that knowledge, and you even can pay others to do it. But it's very simple stuff, and at the very, very least, in order to (successfully) own a car you must know that the oil has to be changed every now and then, if not by you then by someone else. It's a matter of fundamental knowledge of the tools you're using.

If you want to live without that knowledge, then it's your own fault really, because it's not hard to learn and every car ever made uses the concept. It's in the manual. If you don't want to learn it, are too lazy to, think it's too hard, or have different priorities, then that's cool--but don't expect car makers to put effort into molding cars to your whims, because it turns out oil is pretty useful in a car.

If a person was born in 1870 and decided to buy a car in 1930, well, it's up to them to learn that cars need their oil changed. Age is not really an excuse, nor is being born to a different generation.

In either case, you're right: the general public will continue to be too uninterested to learn basic computing principles. (And again I mean basic, like files and folders.) But ruining it for the rest of us isn't the way to fix that.