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Why do you think your phone is inherently less secure than your desktop/laptop?
Your laptop/desktop are not secure either. That said, cell phones today have everything... every little bit of everyones life embedded on them. The are on all the time. They are not patched as often as desktop OS's. They are juicy delicious targets and great listening / tracking devices. Laptops can be used this way, but nowhere near the same target value.
I forgot to mention, all cellphones come bundled with vendor installed spyware. CarrierIQ is one such example, now owned by AT&T, but there are many of them. They will tell you it is only enabled when your device is in debug mode, but your device dials home all the time and a single http header can enable debug for a period of time.
Your phone has a secondary processor with access to main memory. That secondary processor runs often incredibly jank code, and that code can often be changed at will by your mobile carrier.