The average person is very likely to have malware on their computer, but not on their phone.
I installed lineageOS, which is passes the Google SafetyNet check out-of-the-box. So most things just work, including my local Credit Union's app.
But lineageOS fails the CTS profile check on my phone. Fidelity checks this after you log in and shows a "For security reasons your account has been blocked..." message.
So I had to root the phone to install a CTS profile fixer, and then more hacks to hide the fact it was rooted.
After that Fidelity worked, but requested root permission every time I launched it until I figured out how to permanently disable that.
Netflix was similar, but not quite as annoying.
Is that sarcasm? Their computer is likely more secure than the jungle of manufacturer modified roms where who knows what's inside.