I blame Firefox and other web browsers which deny loading JS files if your page was loaded from file://. If you could simply run an HTML file from your hard drive and have a fully functional web application, you wouldn't need Electron.
Files opened from disk can run JS. But you can't do <script src="otherfile.js"> without getting a cross-origin error, even if it's in the same directory. So any kind of code organization at all is prohibited.