Fair 'nuff.
Moron? I don't know. But for most people, consoles and PCs are basically appliances. Do you know how to fix and maintain your car, or how to repair your furnace, or how to fix your microwave if it stops working? Maybe you're a technically minded person and you do, but the vast majority do not. I wouldn't say that makes you stupid, just as someone else not understanding PC hardware and software details doesn't make someone else stupid. That still shouldn't prevent them from using a PC.
Not knowing where to find mods is a big part part of the battle - most gamers don't necessarily know where to find mods, much less what they even are. Some gamers are also wary of mods because they think they're viruses or otherwise malicious. Steam Workshop surfaces mods very effectively and gets people familiar with the idea that mods are safe and accessible.
Even so, knowing how to install mods depends on years of prior experience in using computers. We use computers on a daily basis and often in a more "power user" role (or even administrators, IT professionals, programmers, etc.) so of course it's easy, but assuming all gamers on PC are like that would be inaccurate. Most people don't know, and in many cases don't care to know because the benefits of learning how to do that stuff don't feel worthwhile to them.