[Karunamon]

How is checking basic stuff an implication that everyone should be an expert in everything?!

Someone learned enough to start up a computer, log in, access their web browser, navigate to an online storefront, select products they want to buy, navigate through the checkout process, and enter their details to effect the purchase has already demonstrated the pattern matching skills and knowledge necessary to answer the easy question "Is the picture of the lock there?" and the slightly more involved question "Do the words up match with where the page says I am?"

I'd be willing to bet your grandma can understand "When you're shopping somewhere, make sure the lock icon is in that bar at the top of the window before you put your credit card in". This is stuff that's been drilled into people since the early 90's when eCommerce began to become a thing.

It's not arcane knowledge, hardly "expert" level, it's a basic skill that anyone who shops online should have.

The idea that we can advocate against users having that skill provides dubious benefit to systems security and a handicap to what is the weakest link in any secure process, the human element. Anything we can do to make end users more skeptical is a Good Thing.