html links in online banking emails

With the prolific phishing attacks, I really don't understand why credit card companies and other financial institutions continue to send out emails with html links embedded in them. It seems safer to send the link in text and have the user copy and paste it. Certainly that's less user-friendly, but I think a lot of people don't check link destinations properly. Hopefully those people don't do banking online, but there's no guarantee of that.