Most viruses are .exe files which phones don’t use because the Android/iOS uses different types files. Most phones will not be able to “side load” a malicious app, but only install apps through trusted sources like the Google Play store. The default settings is to not install apps from untrusted sources.
And also, you can use the Android OS on a PC to do basic browsing in a secure environment. It would be something like Android-X86 through virtualization such as Bluestacks, WSL, or VirtualBox. there are a few Android-based operating systems you can run virtualized. I do not know about iOS because it’s only designed to run on apple hardware.
The closest you can get to a locked down system like Android is to install an Android-based OS bare metal without virtualization directly on the hard drive. It is possible but requires a lot of knowledge.
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