Also, it's not 3% of 2/3. It's more like ~1% of 3% of 2/3. Most of the fresh water on earth is locked up in glaciers or trapped deep underground. You can absolutely lose surface water, too - when pipes leak, for instance. And that happens all the time because a lot of the water infrastructure is ancient. Where I live, there are still thousands of miles of Victorian-era pipes. These crack all the time. You don't just get that water back straight away when it next rains.