1) Did you click a link from an email? 2) Does the page it redirect you to ask for your login info?
You may have received a phishing email. Are either true?
1) You expected this email because you were notified about it from another source e.g. website, support staff. 2) If you login to the website not via the suspicious link, the linked web page does not ask for your login.
If you answered yes, you probably don't have a phishing email.
"You expected this email" is also not a hard test to pass in either academia or corporate settings, where users are generally besieged by unsolicted instructions to "Go here, do this, hurry up about it".
Similarly, 'cookies' are 'scary' - there's no visual indication in a browser of what's going on with cookies, what they are, what they hold - you have to dig deep in 'preferences' then 'advanced' or 'security'. Instead of easier to use tools, we get legislation around cookies. WTF?
Don't get me started on certificates...
Here are some regular people's experiences of scams.
(http://www.moneywise.co.uk/scams-rip-offs/scams/scam-watch-t...)
#1 - Yes, some scams are reasonably sophisticated.
(http://www.guardian.co.uk/money/2012/may/23/credit-card-user...)
In your analogy, it's like saying "people shouldn't be allowed to use cars unless they can verify the hydraulic pressure in the master brake cylinder"
Which is wrong: manufacturers should (and did) install brakes warning lights. And we need to come up with better warnings for users. Blaming them for these sorts of problems is unacceptable.