The fact that cell phones have NOT been water resistant/proof for as long as they have been around is very telling to me.
Oh, but wait, you can buy insurance.......
Cell phones have been common for perhaps 20 years. Other consumer items are much older and are not yet waterproof. Books, for instance, have been around for millennia and are not waterproof. Over the course of my life, I have lost a lot more books to water than I have lost cell phones.
Hair driers and electric razors are much older than cell phones, are usually used in wet environments, and are not yet waterproof.
I think cell phones are fantastic examples of the march of technology. And, they will be waterproof within a few years.
Your expectations exceed reasonable bounds.
Test Suggest That The New iPhone 6S Is Water Resistant! — ZDNet - September 15, 2015The video shows both an iPhone 6s and iPhone 6s Plus both surviving over an hour under water.
Apple did not put the water resistance in their spec sheet, probably because they don't want to have to be defending law suits from idiotic people who think it's a dive-phone, capable of withstanding any depth immersion for any length of time. There is no such thing as "waterproof," there is only degrees of "water resistant" ratings. Since that is the case, it will get down to a question of how deep and how long was the iPhone submerged. If Apple doesn't make it a spec sheet item, and merely has it protected from incidental submerging, they don't have to worry about such nuisance suits and end a problem with people who DO drop their iPhones in the toilet, fall in the pool, etc, and then find their phones don't work any more.