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this is a topic i've been heavily involved with because i still consider myself to be someone who prefers using technology at a very beginner friendly level, plus it's very good when a linux operating system makes you feel right at home when it has a modern desktop environment. this is why i really like gnome, its simplicity and usability is something available for everyone, for beginners and for a lot of other people, but if you had to, say, rearrange xfce or kde for someone who was an elderly person or an absolute beginner so that they wouldn't have any trouble using linux, how would you do it? (screenshot is my current linux mint desktop, very simple and extremely user friendly!!!!)
I agree with you and the confusion which may arise with linux file system's nomenclature if one isn't used to it. However how many non tech-savy people would venture outside of /home? In my experience, a lot of people I know have no idea of what C: is and usually browse trough the usual documents, music, downloads and so on; in this case a user's home folder would virtually give them the same experience. If someone wants to go a little bit deeper, at one point has to understand that we are talking about different OSes and cannot expect everything to be 100% the same and should start learning what those differences are.
Also, nowadays the situation is even worse because young people don't even know what a file is. They just open the apps.