Cats live warm--what is a perfect thermal balance for them (where their body needs not expend any effort for heating or cooling) is unpleasantly warm for a huma

Cats live warm--what is a perfect thermal balance for them (where their body needs not expend any effort for heating or cooling) is unpleasantly warm for a human (who will be sweating.) Typical water will be chilling for a cat. Going swimming in most environments will pose a hypothermia risk at times and thus fearing it is a logical evolutionary result.