Presumably most people don't build their own desktop computers (think offices and alike) and those usually use the stock coolers that come with the CPU. At least in my experience.

People who don’t buy $300+ CPUs ( which is most people ).

Not because they are normies who don’t know better but because they are smart enough to not double their CPU cost with a fancy fan when the stock one works fine. ( at least with AMD )

In which case does it matter that the intel coolers aren't as nice?

I do. I don't overclock my rigs, and the stock fan suits me just fine. I rarely have temperatures above 70C.

Most people.