That's precisely why it's spec ip67. It allows them to have their phone independently verified while still leaving the customer on the hook for damage.
Yes, it's unfortunate that if its damages under 50m it's your word versus their word.
All I really care about is rain. It's the only reason I am concerned with getting drenched in a rainstorm as an adult. The contents of my wallet will survive, but I am worried about relaxing and walking at a slow pace in a thunderstorm that soaks me through and through - all because of my phone.
A water resistant rating that indicates I should be fine walking home slowly and enjoying getting drenched, instead of speed walking to save my electronic device, is all I am asking for. If the risk of destroying my phone because I like to stroll through the rain just dropped to < 0.1%, that is good enough for me.
Yes, it's unfortunate that if its damages under 50m it's your word versus their word.