There are several reasons for the appearance of mold in containers with seedlings or pots with indoor flowers.
Mold spores can be brought into the soil, sown with seeds or generally live indoors on the surface of walls.
Details
Mold can harm plants at any stage of their development.
Yes, often in such cases the root system rots, the immunity of the seedling decreases, as a result of which it becomes weak and partially dies.
In addition, plants affected by mold do not adapt well after such procedures as diving and transplanting. The result is weak flowering and low yield.
The first thing to do is to eliminate all the factors that have a favorable effect on the appearance of mold. This means that you will have to reduce watering, make additional drainage holes in the containers, place the containers on a sunny and warm windowsill, etc.
In addition, get rid of the top layer of soil covered with mold, after which water the plants with a solution of phytosporin (you can use another fungicide).
Use disinfected soil instead of removed soil. Use ash to dust both the soil and the basal parts of the seedlings.
If the mold has penetrated deep into the soil, it is likely that a similar set of procedures will need to be carried out more than once.