heartless

Legacy systems...lots of government and banking software still run on very old hardware including mainframe.

Most of the government doesn't. The only ones that do is intel organizations, and it's pretty much entirely old forms of Unix. I worked with it a lot. Damn A+ is just an outdated cert, but it's my final for my college course and they're paying for it. 

You can make nearly every program backwards compatible in newer windows, old windows is too much of a security liability so it's not allowed on the network. There are a few stand alones that have old crap on it, but they're far and few in between. Knowing the difference between FAT32 and the specifics is useless knowledge. As it's commonly said in IT, anything you can look up in under a min is useless knowledge not worth remembering.

A lot of things still use FAT32. Tons of devices, especially ones that use SD cards, usually use a FAT32 storage system and can't read NTFS formatted cards. FAT32 is still one of the only universally used file systems that nearly any OS can ready by default.

A+ is about servicing computers and understanding how they work, and not all of those computers are going to be top of the line, up to date systems. A+ isn't outdated, it's just very broad (though they may be using an outdated form of it, since the test changes every few years).