Here is evidence that shows a lot of "average users" do have some understanding of what URLs are, and even if not the technical details, then at least the concept (which is definitely more important than the details):
https://news.ycombinator.com/item?id=7678729
Here is evidence that shows a lot of "average users" do have some understanding of what URLs are, and even if not the technical details, then at least the concept (which is definitely more important than the details):
https://news.ycombinator.com/item?id=7678729