Possibly even conditionally whenever link text is, "this", "here", "click here" etc
So an option in settings that, when checked, auto-replaces any link posted with link text 'this', 'here', or 'click here' or similar and replaces it with the much-more-enlightening actual URL.

Including for example
/html
<a href="https://google.com">https://bing.com</a>
markdown
[https://bing.com](https://google.com)
Another solution is something similar to what Discord is doing. When you click a link they ask you if you trust the domain and you can allow once or always allow.
The solution in Element iOS is very nice:

ftr that's what Thunderbird also does:

Most helpful comment
ftr that's what Thunderbird also does: