No. iPad is more than capable of allowing users to organize, edit and view their own files. In fact, that is exactly what happens when you jailbreak. Apple has intentionally closed off file access in the iPhone OS. And that is downright ridiculous, if you ask me.Reason #164 to return your iPad and buy a real computer. You know, one that actually let's users create and organize files/folders. Joke.
You might as well say the same thing about the iPod or a digital camera... If it can't do everything computer can do, it is useless! You do realize that an iPad (like a digital camera or an MP3 player) is not meant to replace a computer, right?