Exactly. So if their expectation of quality is modest, they’ll be satisfied with their phones. Else not.
In terms of technical quality, the equipment sets the limit. In terms of artistic expression within that constraint, it’s 100% the photographer.
If you are convinced of that and those are important considerations, you presumably prefer digital. But I imagine the reason for this thread was to highlight the cost of film for those of us who wish to stick with it, not to start another film vs digital row.
Modern camera phones are capable of results that are well beyond modest. They've REALLY improved, to an extent people wouldn't believe if they are only using a phone two or more generations old or haven't really tried it.
I have no doubt I could make at least 11x14 prints that would be worthy of hanging on the wall from images from my iPhone 13 Pro, and the newer 14 is even better. There are entire books out on getting the most from them.
They're not a Hasselblad by any means, but it's shocking how far they've come. A modern generation phone camera is going to be more than good enough for 90%+ if not 95%+ of general users, and not just the bottom half of snapshooters.
I sometimes use mine something like a sketchbook. If I'm out walking or such and see something I'd like to photograph on film later I'll take a few quick shots. The phone encodes GPS data if I let it, making it easy to find again, and allows taking notes in the form of captions that will be right there with the "photo note" file(s.)