I'd rather suspect it has a lot more to do with 40+ years of application backward compatibility and the ludicrous stack of software available for the platform.
Presumably the it here is Linux? That’s not what I would have said. The terminal makes maintaining your own systems much easier because it’s all text. Opposed to having to mix screen shots and instructions. Which is to say, I don’t imagine people who can’t handle the terminal (and are on Windoz) are doing any maintenance or configuration beyond a few GRRR items they’ve convinced themselves is ultimately intolerable.
From a small business I’d say what keeps the accounting office on Windoz is software (ie. quickbooks, excel). But a close second would be tighter integration of file management and core office apps (ie email). It’s very easy to rename, move, copy, files on windows. You can perform many of these file management tasks inside an app experience (ie saveas dialog box). Apple has the mindset with their suite of Apple productivity apps, Chromebooks are very easy for general users to get their head around. If Linux could roll up a Chromebook environment with a QB clone into an expert system (e.g. no. We don’t need pictures, videos or games folders), I think our firm would consider the switch. It would certainly have the appearance of stability productivity, and simplicity which is always a plus when your job is not maintaining IT systems. (Now we just need to find new outsource IT for troubleshooting)
