Like water, they will always choose the path of least resistance. It is why people would rather copy-paste documents than learn git, despite versioning being inherently complex. It is why people complain about android, but only use 1st party preinstalled apps or freemium ad-infested crap.
Excel works and it is easy. It does not matter how hard the underlying problem is. I hate having to use excel too, but I have found myself periodically relying on it when timelines get too narrow and having a ready-made interactive dashboard is convenient.
That being said, I can't imagine using it for a use-case where the rows-of-interest are greater than a few dozen.
When we need data work done on csv's larger than I can ask an Analyst to do in Excel I give it to him to write some python against. Finding and exploiting his python skills has won the guy a couple bumps in base pay.
At some point the overall pokeyness of excel when dealing with large datasets overcomes the inertia of "everyone already knows it" and "we'd need a environment to spin up something more complex".
Why not?
A user only has a tiny screen relative to the size of the backing data. The hard part is efficiently fetching the data to populate that screen. But it's not unsolvable; just tricky. Approaches like building realtime indexes speculatively based on likely next user query could help.
Google Sheets actually works a bit like this already, as it's backed by an online datastore.