How dumb do you have to be NOT to know that water and electricity are a bad combination?
If it was me I would sue Apple for not having a big frikin’ warning label on the phone. “This Device Must Not Be Charged While in the Bathtub or Near Any Source of Water Including Sinks, Showers, Ponds, Lakes, Rivers, Streams or anywhere else where the possibility exists that it may get wet while charging. Electrocution, burns or even DEATH may occur. Removal of this warning label is a felony.”
Obviously a lot dumber than you and I.