Yep, there are ways to do a full installation onto a thumb drive.
While It’s not exactly complex. It does tend to require more understanding of how file system mounting works than the audience OP is indicating would have.
It is likely time to create a user/id10t friendly app designed to download and fully install any ISO as a live thumb drive.
That will still need some help for odd hardware. But for most it would be a fair option.
Nice to meet a fellow old fart linux user.