I assume one rationale for the distinction is that water is not generally believed to adversely affect the integrity of the underlying card whereas chemical solvents (using the term in its common sense) generally are believed to do so. But it's probably hard to articulate a distinction that one couldn't find some fault with.
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Net 54-- the discussion board where people resent discussions. 
My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
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