I think it's kinda both, and more. I do kinda see where people are coming from, even if I don't agree with their "solutions" - for example, the default settings for updates are not exactly great and are not always trivial to change, resulting in updates (or restart prompts) sometimes coming up at the worst possible moment. MS are trying to address some aspects of this at least (for example by introducing the active hours or focus assistent), but some of the options are still only available through Group Policy, which is something that's not even available in Win10 Home by default and a non-IT person will likely not even attempt to use it.
Same goes for the big updates - there are sometimes issues (and there are bound to be), and regular user might find something broke, and solving the problem might be above their skill, or they might not even be willing to try (which is understandable).
But it obviously doesn't help that people often tend to stick with what's working for them, perhaps even unaware of the risks. Media don't exactly help, with way too many of them either blowing every single issue out of proportion, or with seemingly knowledgeable and trustworthy people not really knowing the stuff they write about.
So running a 10 year old system mostly unmaintained and on the brink of being completely abandoned and/or disabling updates in a newer system because they're clearly just a nuisance and do not help things in the slightest might easily seem like a much more sensible alternative than it actually is...