In insulators, charges can be uniformly distributed throughout the material, while in conductors, charges reside only on the surface due to the nature of electric fields. When a conductor is in equilibrium, any net charge inside would create an electric field, causing current flow and disrupting equilibrium. This is why conductors cannot maintain net charges internally. The surface charge distribution in conductors is a result of the charges moving to minimize potential energy and maintain stability. Understanding these principles is crucial for applications in electrostatics and electrical engineering.