Products don't have requirements, users have requirements :)
The requirements of Linus and the kernel developers are completely different from the requirements of the vast majority of users of Git, who are using it in small teams in a centralized way.
I would argue that the only benefit that this decentralization gives is a local cache, which makes things nice and fast. Most users don't need to be able to create branches easily (code review tools already let you do that, effectively) and it's just given people enough rope to hang themselves (e.g. GitFlow).
IMO the worst aspect of this needless complexity is having to explain to people "you've got 1) the branch central repo, 2) your local copy of that branch, and 3) your local branch". It gets even more complicated when personal forks come into the picture, as there are just so many copies of things to manage or trip over.
Try explaining to a junior developer why "git fetch" takes two arguments ("origin" and "master") while "git rebase" takes just one: "origin/master".