Actually, Windows DOES have a root account. It is just called Administrator. However, your point stands. Linux is naturally set up for 99% of users like this:
A user gets an account on the system.
They are then given the folder "/home/username/"
Within "/home/username/", all their applications settings, desktop icons, and general documents are saved.
Now that they have been given that folder, they cannot edit anywhere
at all outside of the that folder. Unless they explicitly provide the root password.
All applications and system files are stored everywhere but "/home/"
So really, *nix security is pretty simple, but works great. In contrast to Windows' monolith of bureaucratic and still broken security. Here is a prime example of what I am talking about:
To be far, many schools and corporations do set Windows up like I just described. It can be done. But you still have to deal with the security prompts and incompatibility becomes a problem with these new found security settings.