https://medium.com/@patalcala/why-linux-is-best-for-most-people-48a14e414dc7
Linux isn’t just for experts. Some Linux flavors are specifically designed for average users.
Before you can even entertain the arguments in this article, don't you first need to address the barrier to entry of installing an operating system in the first place? This isn't even a hurdle specific to Linux, I don't really think the average user has the technical know-how to install any operating system onto a computer.
Yeah, it makes me think back to the CD days. I think just having a Windows install CD already premade for you made the process at least semi approachable.
Last month when I was installing an OS (it was proxmox, not exactly beginner friendly, I know) the first boot disk creator I used "worked" but ended up failing in the install. The second one worked though.
All in all, creating your own install disk is nice and flexible, but it really is a barrier for the average user.