Very, very true, Poddy. That's why I tell people to NEVER EVER EVER EVER click onto links in emails.
What you do as a habit (thinking you know the email's legitimate) you are more likely to do when worried or flustered. People who click onto email links KNOWING that the links are legitimate are increasing the risk they'll click onto a bad link one day.
But if people get into the habit of never, never, never, never, never, never, not under any circumstances, just never, I mean never, absolutely never clicking onto a link in an email, they will have that ingrained habit to act as a brake when they fall into panic mode.