That's an assumption. We don't know how well the energy requirement for a certain "shield strength" scales with ship size. Maybe an energy source that you can fit into a fighter simply isn't strong enough to give you the same strength of shields as a full-blown ship has. The scaling issue could explain why personal phaser-resisting shields don't seem to exist.In Trek, we're not talking mass, but we ARE talking about energy. The amount of energy required to generate a certain degree of deflector/shield protection for a small craft is much, much less than that required to generate the same level of protection (in "inches of armor equivalence" I suppose?) for a larger vessel.
The same thing with phasers. Maybe it's simply impossible to mount a phaser of the same power level and endurance on a fighter, whatever the reasons. Just like you can't mount a huge-ass gun that a battleship is able to carry on a small torpedo boat. Like has already been said, Trek fighters are much more PT boats than naval fighters. Except torpedo boats at least have torpedoes (and missiles, I guess, in more modern times). Trek fighters have no equivalent instant kill/small size weapons, respective to the other sides defences. Photon torpedos, despite the name, are something much less effective.So sending a fighter against a full size ship may be like sending a patrol boat armed with just a machine gun and a couple of not-too-effective missiles against a fully armed destroyer or even battleship. Okay if you have no other option but not something you'll ordinarily want to do.
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