The issue why replacing Ubuntu is so difficult is that most supposedly "beginner-friendly" distributions, like Linux Mint, don't notify their users about new distribution releases or about the fact that the current release has reached end of life.

Since most users don't follow #Linux blogs, they might use an end of life OS for online banking without knowing that (security) updates have stopped.

#Ubuntu has had a release notification and upgrade tool since version 5.10: web.archive.org/web/0if_/https