I see that I have already been downvoted from my one comment, here so I may as well continue the winning streak.
> Having said that, I meet these people all the time, so maybe I am kidding myself.
You're kidding yourself. To the average citizen, and this will include educated professionals such as dentists, attorneys, and educators, the internet is pure plumbing. A commodity. A public service utility.
And get this... the majority of users have no awareness of the difference between the address bar and the Google search form. They will blithely enter a URL into a Google search. And they will type keywords with no URL punctuation into the address bar. And if either does not work they will stumble around somewhat blindly until it does work.
Given this, how can even the most hardened geeks assume that "everyone" knows exactly how the slashes are arranged in a URL?
End users just don't care about our terminology. They really and truly don't. Because there is no penalty for not knowing and no premium for knowing.