Didn't you read the post that was answered later? If you click on a link that contains a file with an extension, this file will be installed automatically. Then you become a co-owner of your phone. The virus sees your contacts, passwords, and your card data, which will lead to theft and actions that you disagree with. All this happens on phones with the Android system. On iPhones, of course, the protection is much better, but if you read several topics on hacking, then even iPhones in the "bad" hands are subject to hacking.
I see that hacking the Android system has become very easy for hackers. That means they can take all the access to the phone to their advantage quickly. The security of the iPhone is very good, but recently some iPhone scams have been heard. Android and iOS systems are nothing to hackers, they are always hacking many systems by adopting new methods. However, it is impossible to stop the amount of creativity hackers work with on any system.
Telegram has the highest tendency to be hacked compared to other systems and is full of hackers. Telegram is a safe place for scammers to live from where no one can access them or find them.
I have faced such a problem that my Trust Wallet was hacked. After it was hacked, about $57 was taken, and I later realized this and stopped using that wallet.