I don't think that follows at all. If my mom goes to log into her bank account and is told to look for a code in an E-mail, she's going to go the E-mail program

I don't think that follows at all. If my mom goes to log into her bank account and is told to look for a code in an E-mail, she's going to go the E-mail program and try to fetch new mail. Remember... HN does not even come close to representing the general public.