Ah, but that's because those people were presumably used to Windows 3.1, where when the computer started up, a window opened displaying an icon grid of programs

Ah, but that's because those people were presumably used to Windows 3.1, where when the computer started up, a window opened displaying an icon grid of programs you could open. From the perspective of one of these people, Windows 95 is like if Windows 3.1 failed to finish booting up, so Program Manager never started, and you were stuck just staring at the wallpaper.