The list of computer users who are developers compared to the list of computer users who are not developers has to be something like 0.1%, so, serviscope_minor's comment about being a developer as a refutation of your statements about what general users require turns out to be a great example of the thinking behind what keeps Linux out of the general desktop arena.
Show someone a truth that they don't want to see, and you can figuratively watch them put the blinders on.
I personally think that there is a lot of hidden feeling that competent Linux users have that makes them not want people to generally use Linux as a desktop. After all, if anyone could use Linux, how 1337 would they be anymore?
In any case, I think you hit the nail on the head.