I have spent so much time working with users that I don't agree. I think the lock-in is simply a useful side effect for the MBAs.
If you're making software or hardware for millions of users then abstraction becomes your friend in a variety of ways, some of which are immediately obvious and some of which are not.
I used to work for a company which sold software for both desktop and mobile. The earliest versions of the mobile software assumed you also had the desktop software: it was more of a companion to the desktop software. That changed over time, and it was a painful migration because we had to build a lot along the way. It was kind of like in a game where you're running through the sky building a walkway in front of you as you go.
Over time not having some kind of seamless syncing and handheld migration option became a liability for a variety of reasons, and a big economic one was support overhead. Asking users, at scale, to do things with files on their mobile devices (let alone with both their mobile device and computer) was asking a lot. So much so that we ended up expending an increasingly economically unjustifiable amount of time hand-holding users through very basic steps. Our technical users got it just fine, and we basically just had to provide cover when something unexpected or untested happened, but that was a minority of users.
I agree with the general sense here that it's to our detriment generally that basic computer literacy for things like files and folders is decreasing, and that it's made worse by trying to abstract those primitives away. On the flip side, the market is going to serve itself best by meeting people where they are. Businesses aren't going to try to educate people, they're just going to take the path of least resistance which only serves to enable (or you like, underwrite) a continued regression in basic computer literacy.