If your Windows system breaks, and that means anything beyond "oh I'm missing a driver", you have no recourse, you have to reformat. You end up googling and doing the exact same procedures you would under Linux, except because the OS internals are obscured and proprietary, you don't have whole stack detailed analysis on whatever problem you have, you have a black box and you have to hope the tools MS gives you are good enough.
It doesn't change that for 99% of users, regardless of OS, when you encounter a problem you don't try to fix it yourself. Most people aren't going to even try, they are either going to take the system to an expert who would use a terminal no problem or just get another one.