Maybe if you’re using a Pixel with the latest OS updates but the average person like my mom is using some off the shelf budget Chinese/Korean phone full of apps with spammy ads and confusing interface flows. The privacy settings are confusing and unlike my dad who comfortably uses his iPhone my mom has barely scraped the surface because the Samsung OS UI is such a mess (ie, 2 different messaging apps named Messages came preinstalled) and it’s slow, the UI with fonts scaled up for vision hides entire buttons in 3rd party apps (a joy to debug over the phone) etc.
Just this week she had to install a work app for scheduling from Googles Store and got duped into a fake clone that installed 4 other apps with repeated pop up apps emulating a signup wizard.
Those non standard androids are far far more worrying and the Google App Store is way less locked down.
If my dad was in the EU I’d have to tell him never to install an app using anything but the Apple App Store.