It's one of those things, I think younger people would adapt to Linux just fine because of the reason you stated, but I think people my age (or my parents' age) would have the most trouble with it. When I learned how to use a computer, outside of the Commodore 64 that I broke as a little kid, I learned to download .exe files and next next next finish to install, as did my parents.
All "Linux forks" (MacOS, iOS, Android, Playstation OSes) all solve the installer problem and have offline installers.
Linux is the outlier.