What are the key differences between EOA and Smart Contract Wallets in terms of control and transaction capabilities?

Imagine you have two types of piggy banks. One piggy bank can only be opened with a special key, and you can only take out one coin at a time. The other piggy bank has a magic button that lets you set rules, like only opening with your friends' help or taking out multiple coins at once. The first is like an EOA wallet, and the second is like a Smart Contract Wallet.