Yes, absolutely, in the case of desktops, it is <60% as good as Windows or macOS. I say this as a nearly lifelong desktop Linux user. The userspace desktop software gets almost no attention compared to the kernel/systemd which actually matters for business. The major DEs like KDE and Gnome3 are full of exploits and memory leaks. The alternative to using a DE is to use a tiling window manager and spend hours a day re-implementing what would have been one-click operations on Windows/macOS. This is not to mention the lack of non-development-related software targeting desktop Linux.
Will this change in the future? I think it is very likely, but the time horizon is key. There are thousands of possible realities where Microsoft or Apple fails--political problems, economic events, bad management, some black swan startup out of nowhere. All it takes is for one of these to trigger for mindshare to shift to Linux (or BSD or Fuchsia--any free one for that matter) and bring it over the threshold.
(But this is kind of irrelevant to the point about data hoarding business models, since Windows/macOS is pure software.)