Probably because 99.985% of people who use a browser call it "the internet" and of these a tiny fraction knows that if there is a padlock nothing bad can happen

Probably because 99.985% of people who use a browser call it "the internet" and of these a tiny fraction knows that if there is a padlock nothing bad can happen (yes I know that the padlock is now gone because everything wasn't that safe, apparently). Then you have the 0.0something population that heard that a certificate ensures you that the site is the one you want to go to. And since it is not always the case they have up. Then there is the sub-Planck- number of these who understand what a cert is and what it is for.