With some b-tree servers/programming languages still used today, fixed or variable length flat ascii files are used for storing data. When a new data record/row is added to a file (table), the record is (1) appended to the end of the file (or replaces a deleted record) and (2) the indexes are balanced. When data is stored this way, you don't have to be concerned about system performance (as far as what the b-tree server is doing to return a pointer to the first data record). The response time is only effected by the # of nodes in your index files.
When you get into using SQL, you hopefully come to realize that system performance has to be considered whenever you write an SQL statement. Using an "ORDER BY" statement on a non-indexed column can bring a system to its knees. Using a clustered index might put an unnecessary load on the CPU. It's the 21st century and I wish we didn't have to think about system performance when programming in SQL, but we still do.
With some older programming languages, it was mandatory to use an index whenever sorted data is retrieved. I only wish this requirement was still in place today. I can only wonder how many companies have updated their slow computer systems due to a poorly written SQL statement on non-indexed data.
In my 25 years of programming, I've never needed my physical data stored in a particular order, so maybe that is why some programmers avoid using clustered indexes. It's hard to know what the tradeoff is (storage time, verses retrieval time) especially if the system you are designing might store millions of records someday.