eli5: Why do computer operating systems have lots of viruses and phone operating systems don’t?

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eli5: Why do computer operating systems have lots of viruses and phone operating systems don’t?

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With a PC i can literally erase the hard drive and start over again any time i want.

With a phone i can ask the phone nicely if it would please do a factory reset.

Phones are essentially locked down computers where you don’t get admin rights. Great from a security point of view as each application is isolated from each other and has to ask for access to system resources compared to a PC where it can erase the OS if it felt like it.

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