Dialling phone numbers is much less common than it used to be, thanks to electronic address books, skype, and so on. The risks of the internet are better solved by making systems easy to use, not by sitting around and wishing that users were better educated.
The car analogy is just stupid. We make people take a driving test because half a ton of steel at 70 mph can kill a lot of people very quickly without you doing anything obviously stupid. That's not a risk on the internet. My mother doesn't understand a URL, but the internet is still hugely useful to her (email, skype, online shopping, weather forecasts...). It's not your internet, and we're not kicking out 90% of the world when they're using it very productively.
And no, URLs are not "easy to understand". You start at the beginning, then jump into the middle and go backwards for a while, then jump back to the middle and read forwards. The obvious way to read them is left to right, so everything is a subdomain of www. They often contain odd codes ("sid=2004418"?). To properly explain it, you have to talk about servers (for many people, websites aren't on a server, they're just somehow "on the internet"), and static versus dynamic content. And now you can have internationalised domain names in various alphabets. To be fair, some browsers are now making it easier by highlighting the domain name in the URL bar (that is, improving the usability, not berating people for their ignorance).
Yes, Google make money. They provide a service that people use. That's capitalism for you. Wikia tried to make a non-profit search engine, but it didn't work out. I don't particularly like the idea of one company profiting from running such a key function of the web, but I don't think I could do it better...