For some, I think it's a bit more fundamental than that.
I'll give an example of a conversation with a family member, who bought a used computer a few months ago and claimed it was "broken" (they didn't know where the power button was, and thought the charging cable was wrong (it was USB-C))
Me: "Oh, well since it's used, we should probably do a clean install. I can reinstall Windows for you if you want...but if you're interested, or I could do Linux instead. It works as well as Windows, but if your computer ever breaks, I'm not sure a technician could fix it as easily. It's got different benefits though, and would use this older hardware better."
Them: "Oh? But how could you even do that?"
Me: "Linux installs are pretty easy. As easy as Windows install."
Them: "But isn't this a Windows laptop?" (It was a ThinkPad.
Me: "No...it's just a laptop. Your laptop. You're not required to use Windows. You can use whatever you want. You own it."
Them: "But how could it have Linux if it already had Windows? I thought this was a 'Windows' laptop? Doesn't this only work with Windows?"
Me: "It can have Windows. It could also have Linux, instead. It's just what's installed right now to make the computer work. It's yours to do with as you wish."
I could kind of see a look of surprise on their face. It hadn't even occurred to them that they were permitted to install anything but Windows, because they saw it as a "Windows" laptop.
Ultimately I ended up reinstalling Windows because they were afraid of dealing with the unknown, as you mentioned.