[stan_rogers]

That involves the rather large and utterly baseless assumption that users look at the address bar at all. You probably do. Does your somewhat less-savvy next-door neighbour?

[userbinator]

This observation I made a while ago shows that a considerable number of "average users" used to, and even understood how URLs are formed:

https://news.ycombinator.com/item?id=7678729

If an increasing number of users aren't, then that is certainly a problem.

[ameliaquining]

They don't really look at the URL in the email body either, especially if it's long and intimidatingly technical-looking.