I think that's perfectly understandable. File systems require the user to remember a hierarchy in their head (even if there are tools like breadcrumbs to help you out), and many people aren't willing or aren't able to hold an arbitrarily complex structure like that in their head. A name is a flat piece of information, no extra structure to imagine.
I worked with a professor one time that used floppies for all his files (after they had been surpassed by thumbdrives) because each floppy was essentially a single folder, and he could wrap his head around that conceptually.
it's not complicated at all, it's how operating systems present them to the users.