Taking a picture of the sun will destroy most cameras. So, I don’t think that supports your argument.
Your cell phone camera has a wide angle lens. it's at the longer focal lengths where one might expect sensor damage, or even melt the curtains of shooting directly into the sun when high above horizon.
[0] https://www.lensrentals.com/blog/2017/09/rental-camera-gear-...
I guess the answer will be "because it's cheaper to manufacture", but is there any other reason?