A "personal computer" is a computer a person owns
and controls. IMHO.
"Phones" can be beautiful appliances. We can admire them for many reasons. But calling them "personal computers" is a stretch, and honestly AFAICT no one does. FWIW, people refer to "phones" by other terms, such as "device". Mobile phones today contain computers, but that is about as far as we can make the comparison to the personal computer.
Arguably every new appliance does or will eventually contain a computer. That hardly means its owner will be able to control it. Good news is it's still possible to build a PC from parts and there are more small form factor development boards than ever before.
Apple reminds me of the diamond industry. How does it manage to charge such amounts of money for something that is so readily available. It sells people a story. De Beers is apparently now entering into the synthetic diamond businesss. Apple's next move should be similarly amusing.
An analogy to a deck of cards would have to include a means by which the company that makes the boxes for the playing cards collects data on how people use them, where the people travel with the cards, and so on, sending it to the box maker outside of the card owner's awareness because there is no longterm business viability for selling boxes to playing card companies, so the box maker becomes a front for a surveillance and advertising company.