I suggest you look into careful reading; I never suggested blue tooth for use of the phone as a phone. It’s a simple matter to put a waterproof membrane over both the speaker and the mouth piece. Wireless chargers were sold for the iPhone by Brookstones two or three years ago; it is well established technology. The only change I suggested would be Bluetooth to external speaker, again well established technology.
Careful reading is a valuable life skill, you might want to look into it
Your other idea is more lamebrained than membraned. That won't hurt voice or speaker quality to place a waterproof membrane over the speaker ports, microphone and earpiece, now will it? Seriously? The people who fret over the risk of dropping their phone into the drink can go get one of those aftermarket solutions (I think they run over $100), but OEMs don't have time for such nonsense.