I'm not referring to Windows as poor for telemetry, but it's tremendously easier to get malware that takes over your whole system on Windows than any other platform - consider the fact that downloading and running unsigned executables is an extremely common practice - even as a fairly security conscious person I do it regularly on Windows. Add to that the fact that Windows completely lacks sandboxing and you pretty much get a pile of malware on your machine unless you really know what you're doing - and even then I've seen fairly technical people click next past a "bonus ask.com toolbar" in an installer.

Even with a regular bank account in most of the world at least, it's tightly regulated and you're only liable for a small portion of the loss - on a credit card, generally nothing at all.

Even without OS security updates, generally browsers and other internet connected software gets security updates regularly, I'd trust a new user on Android far more than Windows because clicking an ad would not have a risk of getting them infected system wide without jumping through some serious hoops and involving a few exploits. On Windows that's one Run button press away.