Finder still can't handle SFTP connections. In 2021. I feel like I'm going insane, or I've missed some sort of critical update, but no, it's just sitting there.
It's incredibly useful basic functionality that both Finder and explorer inexplicably lack. This alone makes Linux desktops far more friendly even for novice users who want to do something beyond sharing gifs on web forums.
Novice users use flash drives or emails, they don't set up ssh servers. In fact, I've never seen a non-power user set up an ssh server except maybe if you count a consumer NAS (which usually show up as networked drives).
To that point, I'd be willing to bet money that any user that even has access to an ssh server they'd want to use either has the technical know how to set up those tools themselves, or has an IT person who can do so for them.