Both! It's condescending because it's simultaneously suggesting that:

- there's a class of users who are simply dumb

- the speaker does not consider themselves to be in this class

- one can avoid this hazard by being sufficiently smart

none of which I agree with, and none of which I see evidence for here.

Across every industry I've seen, when new safety devices are invented, old-timers brush it off as unnecessary. (Survival bias: I didn't die!) When they retire, the next generation grows up using the new safety devices, and sees no problem with it. If anything, using the safety device is a signal that you're doing something dangerous! Professional drivers wear more seatbelts, not none. The tradeoff you speak of is usually backwards from what you claim.

This one is shaping up exactly the same. People who grew up with URLs are complaining that Google is trying to "hide" them, even though that's not what anyone on this project said. The generation being born today will wonder why anyone ever used a networked computer by clicking on links with zero assistance in determining whether it was at all legitimate.