At least in the case of Windows I can understand it, since its stranglehold on the OS market makes it so it’s legitimately very, very difficult for people to switch since they’ll often rely on Windows-only software that might also work poorly in Wine on Linux, if it works at all. My mom uses many such pieces of software for her job. Chrome though, it feels like there really is no real reason to keep using it other than plainly being stubborn and/or afraid of change. Chrome doesn’t even barely have any real killer features other than Google having intentionally made using some of their services slightly worse to use on Firefox, which I would hardly call a “feature” either.