I guess by “Windows installer” I actually meant the setup wizard that runs the first time you boot an OEM machine from the factory. The thing 99% of Windows users actually see. Not sure if that’s significantly different.
And if you want to claim even that is terrible, I really have to question by what metric you’re measuring. Is it because it doesn’t give you the options you want, like creating an offline user account, or because it’s full of bloat screens for products like OneDrive? Sure, I guess. But I’d say having these criticisms are very specifically the kind of things that make you an outlier compared to the average person I’m talking about. These are things normal people don’t bat an eye at. Giving them more control just intimidates them.
And yeah, I’m sure you agree, “provided [they] can create a USB” is a huge ask for a lot of people. Child’s play for us, but weird and scary black magic to most. Guides can and do make it crystal clear what to do, but as long as it feels spooky to download and run the magic programs, no one will feel comfortable doing it.