The reason for the max rating on switches is different than what it is used for in conductors.
The max rating of a switch is not only the amount of current it can carry, but the amount of load that can be placed on the contacts while making and breaking for the expected life of the switch. The DC rating of a switch will always be lower than the AC rating, but the same is not true of a conductor.
If a switch fails due to excess current, the arc and damage will be constrained to the switch and/or the enclosure and will result in an open circuit, disconnecting the load.
If a conductor fails due to excess current the conductor will become a heating element. If it is not in conduit the hot conductor may start a structure fire. If it is in conduit, the insulation will melt causing conductors to become shorted. This can either create more damage to the conductors or it may energize a conductor that is not supposed to be energized.
A switch rated at 15 amps will carry much more than that while closed and can carry a bit more than that while being switched, it's just that the excess current will shorten the life of the contacts.