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They don't know that they do, but they do :)
Users DO know what a cert is, they just don't know that they do. Every time they hear about a website being secure or see the little padlock in their web browser they're hearing about certs and SSL.
Every time they enter a password or see the "Authenticate with Google!" button they're looking at confirming an identity.
No, you should absolutely not use the technical terms for nontechnical users. You make it userfriendly for them, but it's not a problem at all to do it.
