Is it? Companies like Google coddle users instead of teaching them how to browse smarter and detect phishing for themselves. Google wants people to stay ignorant so they can squeeze them for money instead of phishers.

How does Google get money out of people in that case? As a corporation, Google contributes greatly to the education sector and also profits greatly, so it seems like they're pro-education to me, and are merely making the best of a bad situation, but I'd love to hear how Google extracts money from the people they've protected from phishing schemes in some secret way that I haven't considered. I do happen to have Google stock in my portfolio though, so maybe that indight's my entire comment for you though.

This is a fine mentality when it takes a certain amount of "Internet street smarts" (a term used in the article) to access the internet - at least beyond AOL etc.

But over half of the world has internet access, mostly via Chrome (largely via Android inclusion). At least some frontline protection (that can be turned off) is warranted when you need to cater to at least the millions of people who just started accessing the internet today, and the billions who don't/can't/won't put the effort in to learn those "Internet street smarts".