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Think of it as rooms in a house, but they all have the same key.

Reiterating, if you use BIP 39 to create a wallet on your computer today, and you switch to a phone next year, as long as you enter the same seed phrase, your accounts (like account 1, 2, 3…) will appear in the same order.

Non-deterministic wallets:

These wallets generate private keys for each account without using seed phrases, making it harder to back up.

One will need to store each of the keys differently, and this can become cumbersome.

Think of it like trying to memorize different passwords for each building in your house.