Is Linux worth it for the average non-tech user?

Just wondering if it’s possible for all the average joes like me to switch to a Linux distribution on PC, or if it’ll be too steep of a learning curve for non-tech folks.

I’m talking about making the distro of choice more secure than what it is out of the box. For example, not using passwords but pass keys (?) when connecting to servers, things like that, that normal people have no clue to even think about.

I’m not getting …

box curve distribution distro linux making non privacy switch talking tech