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Unfortunately, that would defeat the purpose of everything the *nix community stands for. Distro's like Xandros, Suse, Fedora, and linspire are shooting for the corporate/home user and are extremely easy to install and use. I know that in Suse and Fedora they have some defaults already picked out for you, so you don't have thirty apps to choose from right from the start.
However, you do have the option to use something else if the provided default application doesn't satisfy your needs. I'm a longtime Slackware and more recently freeBSD user because thats what suits MY needs. For the average home user like yourself who is "scared to upgrade my redhat 9 box in fear of something getting broken and then i wasting 1 day to get things up n running again.", their are distro's for your uses.
The *nix community is about choice, different things for different people. Suse, Xandros, and Fedora's targeted audience may not be for me, but it may work for others. If you take away choice, you take away one of the better aspects of the *nix community.
My 42 year old computer illiterate mom can install software in suse fine, so can my 11 year old sister and my 7 year old brother. Installation of software is not hard in many mainstream oriented distros, people just need to get past the stereotypes and their own fears.