As a user who has just bought their first computer, would you a) like to go to the shop and spend money to buy more software b) try to figure out this thing called FTP, maybe going to the library to read up on it even though you have never heard of it so don't know what you are looking for c) just use this thing called "Internet Explorer" that sounds like what you want to do, is free and already installed on the computer you just turned on for the first time?

Before, and for several years after, Microsoft started bundling IE, many, perhaps most, ISPs (dialup and what passed for "broadband" at the time) typically delivered software CDs that you were expected to install with their own software (often including their preferred web browser, preconfigured with their preferred start page and other settings.)

If you just bought your first computer at that time, you weren't likely to have internet service to connect it to until you bought that separately, and when you did, you would have software, too.

Keep in mind, many people with a computer might not have the internet at all during this period. Purchasing internet service usually came with software to use it.

You're talking about an era when Gopher was still the dominant protocol on the internet.