With my desktop and laptop I have the (probably illusory) feeling that I'm in control of the device. I decide what's installed; manually thank you Adobe etc., set up the security, decide what accesses the 'net and so on.
When I got my first smartphone I quickly decided that it wasn't my phone. Apps would update themselves, and let's not get started on the "permissions" debacle.
So, I decided against undertaking any financial transaction on the phone, other than buying some minor tat on eBay.
I haven't changed that view.