There's nothing wrong with an audience surrogate- the original Star Wars does a good job with them, and actually kind of transfers the role from Luke to Han once Luke starts his training with the Force onboard the Falcon. Finn was a wasted opportunity for an audience surrogate since he AFAIK has lived his whole life as a stormtrooper and doesn't understand how normal society would work.
Yeah, that calls to mind an old Penny Arcade strip that basically calls out people using "it's not for YOU" as a means to deflect criticism from themselves. It's not a real argument at all.