I am not an artist at all, my brothers and sisters are the artist in my family, however in an art class one time a professor explained a layman's definition to the terms fine art and folk art.
Fine art is art for arts sack and nothing more, stiring the inter emotions of the viewer, for pleasure or sometimes the opposite. That is why you can like or dislike a persons painting or sculpture; while folk art is the embellishment of the plain, the boring. An example would be rosemaling on dinner plates, which most Scandinavian amoung you will know, or the fanciful decoration of a weather vane on top of the barn, or engraving on a gun. A fancy painted plate or engraved gun is more pleasing to look at then the plain utilitarian.
Picasso's work is fine art. Kornbrath was a folk artist.
We may be mixing apples and oranges.