If I go and grab my full-frame mirrorless, every pixel of the image will be usable at 1:1 crop. "Taking photos indoors and wanting to zoom in and crop" is not an extreme test. The usability of 1:1 crops from cell phones is limited even in daylight.
But yeah, if you look at a photo taken in good light with no cropping and at screen display resolutions, it looks pretty close to the output from a pro mirrorless. My only point is that you get maybe 3-5 good megapixels, not 45+.
And that's before we get into dynamic range, bokeh, etc, all of which phones more or less need to fake to approach the look and feel of photos taken with grown-up cameras.
(Try taking a photo of the moon with an iPhone. You can't do it, not even with Halide.)
The lenses are also different and direct lighting can cause annoying internal reflections. I don't know this area as well, but lenses are more important than sensors for photos.
https://mastodon.social/@heliographe_studio/1156653713048409...
(taken with BayerCam.app, not Halide, but Halide can capture the same raw Bayer data)
It's not an amazing photo by any means. But it is a photograph of the moon - the seas are all well delineated, Copernicus/Kepler/Aristarchus/Grimaldi are visible/recognizable.
A test that smartphones did not pass a few years ago.