Nope, it's always been about on-disk bit rot.
First off: drive firmware has been known to return the wrong LBA data. The OS asks for 123, the drive reads 234—and verifies its drive-level CRC, which passes—and sends it up. Application gets a bundle of bits that's not correct. With ZFS, it expects a certain checksum from that part of the tree/file, and so the LBA 234 gets returned it will not match the checksum that is for 123.
Next, if you have RAID-1, then if the drive has corrupted data, if you don't have higher-level FS checksums, how do you which mirror has the correct data? They're different, but which is correct. With ZFS you know which block has the correct checksum, return that data to application, and then use the correct data to correct the wrong one.