Worked on some financial stuff before, and dashboards showed the opposite of your experience, if I’ll be honest. An average user is very different from us.

Financially savvy people are much more likely to have a desktop, I would think.

Mu mother-in-law does not have a laptop or desktop. She barely uses her iPad. If it’s not on the phone, it might as well not exist. My father-in-law has a PC at work and a Mac laptop, but he uses them only for work - his casual internet use is entirely on the phone. My wife uses multiple iPads and her phone, but only uses a desktop at work or when working at home.

Most people I know don’t actually own personal computers other than their phone or tablet.