People used to know how to type a url into an address bar. If they didnt type it correctly it didnt work. They knew how to type an email address. Now for the life of people, its actually uncomfortable to type example.com without a space into an address bar and go directly to a site and not to google. They purposely put a space between the words because they only know how to search for terms. (This could also be a semi-unconscious learned safety behavior to avoid typos in domains.) The same applies to autocomplete in the TO field of email programs. If a name doesnt autopopulate, "well that email must not exist, because autocomplete isnt suggesting their name."
As fields started thinking more for us, and the raw structure of paths has become more and more hidden (websites to apps, chrome overall shrinking and hiding protocols), I dont think its fair to attribute "well I cant find the url" to cognitive decline. Our interfaces are purpose hiding this stuff and making us depend more and more on fuzzy representations of structure.