I might have agreed 10 years or so ago, but Linux has changed and this is entirely dependent upon the distribution and use case. Linux will hold onto the image of being a "difficult" OS for some amount of time of course, but I really don't believe that is necessarily the case any longer.
I installed Mint for my parents who are in their 70's ~4 months ago, showed them how to run updates, configured automatic backups, and I haven't heard a peep since except for the few times they told me they liked it a lot more than windows because they feel like it's a lot easier to find where stuff is. They can browse the internet as needed, work in Libre office as needed, get to all of their emails as needed, etc - they have actually 0 problems with it meeting their needs.
Furthermore since the middle of last year, I have incredibly helped 5 of my friends move over to Linux (at their request! It's been really exciting to see the interest in Linux exploding.). While they had never installed an OS themselves, they have a good amount of experience in troubleshooting from their experience in windows, and this has translated into them being able to figure out things like running their games with proton, installing software, customizing their window managers, and so on all without my help.
I would argue that a person can have no earthly idea how to flash a USB or get into their BIOS/UEFI to change a boot order, or be afraid of doing so, but at the same time can use the OS effectively once it has been installed.
I think in part this is because people who have not installed an OS themselves find it more intimidating to interact with something as low level as the BIOS than a higher level operating system even if the task is straightforward, and generally they just want someone who has done it before there with them so that they have reassurance in that step.
