I think it definitely is currently, but it doesn't need to be.
The design is such that it's possible for it to be as easy to use as FB. Running your own linux server will never be.
The urbit tooling still has a way to go, but it's improving. I'm hopeful that it can get there.
Mastodon is trapped by the problems of the existing software stack - they can't escape them: https://urbit.org/understanding-urbit/