I think windows is a pretty good middle ground. Yes it's annoying that you might need to install a 3rd party tool to give you a right click menu option to take ownership of any file/folder, but at least you can do that and it's easy. And for normies that don't have Linux-fu they'll get into a lot less trouble than if you give them Linux.

MacOS on the other hand, if there's something Apple decided users are too dumb to be allowed to do (which it turns out, is a lot of stuff), then you just can't do it, period.