Why Isn't Linux Catching on?

Let’s get right to it: considering the popularity of open source applications and utilities, why hasn’t the open source flagship - the Linux operating system - caught on with mainstream PC users?

With the various incarnations of Linux available at the click of a button, why do the majority of PC users prefer to drop $200 US on a Windows Vista or Mac OS install disk instead of trying the third, free option?

According to Adrian Kingsley-Hughes at ZDNet, the lack of understanding between the Linux community and the average computer user can be boiled down to five crucial points:

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a few reasons

Inertia  "oh no I have to learn a new operating system?"

addiction to M$ Office and Adobe products 

Notice many Linux users are ex-Windows Power Users?