OK, how about real life then:
When you go into a real physical library (if it is open), you can ask for a book.
You do not need to know where the book is because the librarian has a system that works. You benefit from the system. Why would you learn how the librarian finds the book, when he//she is reliable and can provide what you want, with no issues fuss or bother.
We all know that files and folders on computers are just a way of looking at binary data on a disk (or other storage medium) in a more human way, we accept that it works most of the time, the result of this is that very few people bother to learn how to examine or manipulate the low level data bits, there is clearly no need.
Step back one more level from files and folders and you get to access the data in a better more human way, and once you trust it, it is then natural to do things in this "new" way.
BTW, real life files and folders are a really bad way to store documents, very slow access for a start. That is why loads of documents are transfered to computer storage, or never become physical documents.
Devils advocate bit:
Lots of computers crash (fail in some way), we trade off the risk because of the benefits. We also run backups to mitigate the risk.
Does it mean that we should keep hardcopy images (like hi-def transparencies) because of the risk of a computer crash?
On backups, yes I expect everyone to keep them. But, how many do you keep, do you have off site backups. Just copying data to another disk is not enough.
There are two types of photographers, those who have lost images and those who will lose images. The clever bit is how you recover.
