jam-bo
Cropping a zoomed out photo has worse quality than properly shooting it, otherwise everything would just have a single wide lens and crop the balls off it
unless you shoot in raw on the pro, you only get a 12MP image from a 48MP sensor. So there is plenty of leeway for crops.
I could be wrong, but think that the cameras on most phones use pixel binning, where pixels are combined to give better quality/low light performance.
So, in standard pic mode the most a 48Mp image can output is 12Mp, as it joins squares of 4 pixels together into a single pixel in the final image.
There is no leeway to crop, as all pixels are actually used.
Some cameras have a mode where it will take a 48Mp image, but the ones I have seen normally look worse than the 12Mp version. I guess if they have a RAW mode, that will also be the full 48Mp image (no binning).