The biggest difference is that a microwave oven can easily be 1500W while a cellphone is 0.5W or less. I'm not aware of any fundamental differences.
The voltage / current argument is something else entirely. It's one of those things that's technically accurate but practically dubious. Just voltage (as in you're in an electric field) doesn't necessarily harm you (just V, no I hence no P) while having a current flowing through you does hurt you (there's I so there must be V hence P). The problem is that a high voltage is more likely to cause a significant current (like Ohm's law) so without exactly knowing the current capabilities of the voltage you need to assume it's dangerous.
Tasers and the like generate thousands of volts with very high internal impedance, limiting the current to low values. It's supposedly safe but people do die from them occasionally.
The voltage / current argument is something else entirely. It's one of those things that's technically accurate but practically dubious. Just voltage (as in you're in an electric field) doesn't necessarily harm you (just V, no I hence no P) while having a current flowing through you does hurt you (there's I so there must be V hence P). The problem is that a high voltage is more likely to cause a significant current (like Ohm's law) so without exactly knowing the current capabilities of the voltage you need to assume it's dangerous.
Tasers and the like generate thousands of volts with very high internal impedance, limiting the current to low values. It's supposedly safe but people do die from them occasionally.