They aren’t, the main thing is that on phones most people only download applications through the play store or app store, or some other brands pre downloaded applications like Galaxy Store for Samsung, on computers we usually download directly from the website, this makes it easier to accidentally download malware
Also, although I’m.not 100% sure, computers are more likely to be directly connected to important servers that might have sensitive information or control important things, this makes them a more design target, and to get money from people you dont need viruses, its easily with phishing attacks or simple social engineering
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