Will once again re-up the concept of a “right to root access”, to prevent big corps from pulling this bs over and over again: https://medhir.com/blog/right-to-root-access
Most of users are not able to keep themselves safe in the internet - they want to install all kind of crap without thinking too much.
All of this is companies making it possible that average Joe could just click links, install any kind of crap and still be somewhat secure.
The very few I know that have had this happen where all computer users, and virtually all victims of social hacking such as "hey, I'm from IT department, sending you an email, could you please...". A friend of mine exposed sensible data of thousands of customers of her bank like this.
It's a considerable number well into the 8 figures $/year that we have to cover (Granted this number is not specifically smartphones, also includes desktops, but I know smartphones is the bigger piece nowadays.)
(insuring this is near impossible, there is always a large part risk we have to pay ourselves and cannot cede to a reinsurer)