It might be just me, but I feel like remembering the foreign key name is more difficult than remembering the columns that you need in the ON clause. Especially since you can usually find the column names by just seeing the data in the table (select * from x) wheres seeing the foreign key names is much harder (show create table x?).
Also, if you use an ORM it will usually generate foreign key names that are almost impossible to remember.
Also, if you use an ORM it will usually generate foreign key names that are almost impossible to remember.