Fortunately, the solution of just sticking to mainstream platforms works. If I’m on a Mac with an iPhone, anything that hits me hits half of Americans. I’ll be in a nice big class-action once the damages are widespread.
Interestingly, this disincentivizes niche platforms.
Well, it depends. For widespread non-targeted attacks, like the one mentioned in the parent comment, I think using a niche platform is a form of security through obscurity that can actually work, because it's possible the generic exploit you encounter is not designed to work on your non-standard system (like a virtual machine, a hardened configuration, a non-mainstream OS like OpenBSD...). Although this is more difficult on phones, because it's not possible to use some mainstream services on niche platforms due to attestation requirements.