Yeah, and that something for most people is the search box.
For another example of this "I refuse to file-and-folder" phenomenon, try and recount how many people go to Amazon by going to the address bar, typing www.amazon.com, and hitting enter instead of going to Google, searching Amazon, and clicking the first listing.
Fact of the matter is people don't fucking care for file-and-folder, people don't fucking care for locators. For most people, a given something is "in the computer" and that is as far as they can be bothered to care. Abstractioning of file systems and similar constructs to improve end-user usability is the correct decision, given this situation.
Yes, the small handful of us that understand and use file-and-folder and Universal Resource Locators hate the abstraction, but we are Nobody. They (most people) are Everyone.
The Photos app dumping all photos into one singular location with no hints as to where it's located in the file system is better usability for everyone. That's the brutal-to-nerds reality.