So despite no jailbreak or anything I opened a message which didn’t contain any links and seems like a weird sentence to which with out thinking I replied “huh?” And two hours later they were in my gov and changing payment destinations
Your phone can't protect you against "phishing".
Phishing isn't an attack on the security of your phone's hardware and software. It is an attack focused on you. If criminals can fool you into compromising your own security, they do not have to go to all the work it would take to "hack" your phone (something well beyond the skill level of your typical scammer).
Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support
I went scanning thru the foreign language of the analytics section and found some sketchy looking parts which I then noticed contained the word Pegasus and other slightly shonky sounding prompts - why would that be there can someone who actually knows please help me out here 🙏
A lot of people post here claiming that something in analytics proves that they have been "hacked" … when the screenshots they post prove nothing of the sort. Analytics can be hard even for software engineers to decode. They're not meant for ordinary users, which is why the phone normally keeps them tucked away from the main screens.
What, specifically, did you do other than replying "huh?" to this phishing message?
That, in and of itself, would have confirmed to the criminals that you had a good number or e-mail address, and might have put you on a list to get more scam messages from them. But I'm not seeing how it would give them access to a Federal Government account managing something like Veteran's or Social Security benefits.
Did you, perhaps, enter any user names and passwords in response to the "phishing" message?