I have trouble setting up servers and database instances while being a full-time professional developer. At work the DevOps people handle that, but still I should be able to do it on my own.
I hate to imagine how hard it is for someone who has never typed 'cd' or 'ls' in a terminal.
Setting up hosting is one of those tasks with way more possible downsides than upsides. The best case scenario is "it works as expected." And there a ton of ways to fall short of that.
File and directory permissions screw people up all the time. If you set them wrong, you can create security holes, keep your site from being served, break SSH logins, break TLS, break git, etc. And online forums are full of bad advice a la "I just set 777 on the directory and all the errors went away!"
I hate to imagine how hard it is for someone who has never typed 'cd' or 'ls' in a terminal.