Honestly, I have been thinking about the same topic for some time, and I do realize that direct files could be faster.
In my (hypothetical, 'cause I never actually sat down and wrote that) case, I wanted the personal transactions in a month, and I realized I could just keep one single file per month, and read the whole thing at once (also 'cause the application would display the whole month at once).
Filesystems can be considered a key-value (or key-document) database. The funny thing about the example used in the link is that one could simply create a structure like `user/[id]/info.json` and directly access the user ID instead of running some file to find them -- again, just 'cause the examples used, search by name would be a pain, and one point where databases would handle things better.