what does phishing can do to a average computer users?

Phishing is the process of hacker trying to get personal information, to average user this can be tricky if you have no idea of the tricks bu hacker or use or malicious codes hence being compromised.
the good news is that most latest Os they have inbuilt phishing filter once enabled it help to protect users for example when connecting to particular website is verified by Microsoft first its its safer or not and user will be notified or URL blocked

Phishing can steels the passwords and email accounts of the computer users.

it will eat up your RAM, and will make your computer slow, and can cause "explorer.exe" to hang and corrupt...
and steel your pwds and information from your pc

if you have not patch.
exe and you do not open the file hacker can not do anything and can not connect to you, too, windows defender, antivirus and firewall blocks it and if it is connected to chance because the IP address is changed by restarting the pc at the end of the professional hacker can even infiltrated the other way is to infect you with the file patch.exe acuse of prgrammation contains private enforcement