Not always no. smartphone software often abstract away that process.

Plus even in those instances where links are manually copied and pasted, you're still overestimating the competency of the average user to identify the risk of state in URLs even when it seems bloody obvious to us technical folk.

do you have studies showing this? I think WE do when it's shared as a link, but I think most users get a message - here is that link: long blue text starting with https: for them to click on. And they click on the blue text but do not read.