I think because if it wasn't a phrase query you'd be matching on
the broken up parts of the word *wherever* they were in your field.
e.g. "pe" and "rsonal" could be separated by any number of other
tokens and you'd get a match.....
P.S. I was a bit confused by your asterisks, it took me a while to figure
out that you'd added them by hand for emphasis and you weren't sending