I really con't stand this behavior. Not everybody, not even most people, want to understand "how to web works", "how urls work" or anything else along those lines. Insisting that people are somehow wrong to not want to understand this is just ridiculous - as ridiculous as if I had said "we're not going to let anyone drive a car unless they know how to tune an engine" or some such.
I for one am very happy that the creators of automobiles have bothered to make the process so simple, even a moron at automobiles like me can drive in car and have it work 99.9% of the time, and the rest of the time - it's clear I need to take it to an expert.
We as the software developers, product designers and UX experts of the world should stop trying to tell the world what it should and shouldn't care about, but rather, use that as input to decide how to build our software so actual people can use it.
Do I love this Chrome experiment? I don't know. But I know that I'm willing to trade a few seconds of discomfort of my own, which can probably be stopped by tweaking one configuration setting, in order to save the majority of the population who aren't tech savvy from the problems of phishing and just generally giving them a better user experience.