I am defining "dumb" as "incapable of determining what url they are visiting and therefore vulnerable to scams". That's a looong way from any sane definition of "expert".
I'd rather my doctor and car mechanic and grocer get to focus on their areas of expertise than have to learn some baroque rules about links in their email.
The problem, of course, is that this trains us to be incapable, and leaves us incapacitated if anything goes wrong. If my rental car breaks down I have no idea what to do except ring the rental company and hope they can send someone to fix it. Likewise, if Google's filter makes a mistake (which it will) then the user has no ability to make any kind of decision on their own. They'll click on the fake bank, lose all their money, and whose responsibility will that be? Google won't pay them back - they just provided a free tool. The bank will want to shift responsibility ("you must have done something unsafe, Google stops all phishing attempts, so you must have told them your login details"). The net result is that while most people will be safer, some people will be in a worse position than they are now.
It doesn't solve any problems for anyone, it just makes us helpless if there is a problem.
You don't have a cursory knowledge of everything you use/own and believe it's alright?
Do you know you shouldn't cut your electric wire while having them plugged in?
Do you know you shouldn't put your finger under the knife while you are cutting carrots?
Do you know you shouldn't put metal into your microwave?
You do have cursory knowledge about the tools in your house. You give an absurd list of example in your comment, but theses aren't the tool in your house, they are completely different field that sure are required to give you the tools/food you have, but they aren't part of any of your tool-set required to live. I fully expect someone that use a fountains pens to know how to change its ink cartridge, just like I fully expect a plumber to know how to use a wrench safely and a web user to know how to safely navigate the web.
Sure the tools can be made safer and better, but that doesn't means to remove actual feature from it. You wouldn't make the wrench out of rubber because the metal is too hard and can hurt someone, you expect the wrench user to know it or to teach him if required.
Well... yes? Don't you?
Most of that is taught in schools, and I feel one can reasonably expect an adult to have some cursory knowledge about all of the above - enough to at least reason about the basics and to know when to hand a problem off to a professional.
But you're using a knife daily, so I presume you know what is dangerous about a knife, (not how to make one!), or say you use a credit card. Should you not have at least a vague idea of the concept before you use it responsibly? That's all am asking for.
You presumably rely on brands, yes? Same with the URL, make sure it is in fact the 'brand' you're looking for. Am not saying it's 100% foolproof as buying counterfeits isn't hard either. But at least do the bare minimum to check.
To make sure I'm not accidentally buying H0me D3p0t brand nomex.