In order to check a web address, you need to be well versed in the intricacies of this process.  Scammers do not stand still, everyone uses different methods of replacing IP, using. TORO other anonymous browsers, a simple user cannot professionally identify a fraudster, and therefore ends up being phished.  And often he does not even think that he is being deceived and is simply forced to enter his data to access the account. 
The problem is much more complicated. 
And I can't even imagine how to solve it.