[marbletiles]

"Login to the website not via the suspicious link" requires understanding what URLs are, how to isolate which part is "the website", how to edit them and how to enter them. The amount of people Googling for "log into Facebook" proves none of this is a given.

"You expected this email" is also not a hard test to pass in either academia or corporate settings, where users are generally besieged by unsolicted instructions to "Go here, do this, hurry up about it".

[mgkimsal]

Not huge blame, but browser makers are making it harder to understand what's going on what how to use the web - obfuscating the URL - taking off parts of it, sometimes hiding the entire URL bar altogether.

Similarly, 'cookies' are 'scary' - there's no visual indication in a browser of what's going on with cookies, what they are, what they hold - you have to dig deep in 'preferences' then 'advanced' or 'security'. Instead of easier to use tools, we get legislation around cookies. WTF?

Don't get me started on certificates...