I think a better analogy is “remember when you had an iso that you had to burn onto a DVD to be able to boot from it? Or to be able to have the CD player recognize it instead of just writing the songs into it?, sort of the same thing”.
What you downloaded is a binary image, i.e. the sequence of 0 and 1 needed for a computer to boot into Linux, now you need to feed that sequence directly to the computer, but the computer only knows how to read it from a thumb drive directly, not from a file inside the thumb drive, so you need to write that sequence bit by bit in order on the thumb drive. Back in the day we used Nero for dvds, Rufus does the same but to a thumb drive.
Fun fact in Linux you can use dd which unlike what most people say doesn’t stand for Disk Destroyer (although certainly lots of disks were destroyed by it), which is an application that does binary writes. Hell, in Linux you can actually do cat image.iso > /dev/sdb and that should work, that is essentially print the output of the file image.iso and write it into /dev/sdb which should be the second disk plugged to your system (first one being /dev/sda).
Cool, I started using Linux back in 04, but I think not that much changed, I think it’s mostly people who change the way they look at Linux, outside of gaming, for day to day use, Linux was very usable even back then.