Good point. The reason why few to no plants are not black is a very interesting problem, which I haven't heard an answer to.
Still, the number phi has very unique properties, considering its SCF. And the sequence of fibonacci ratios is not an arbitrary sequence converging to it. Whether anything has evolved to utilize this or not, I can not say.
Thing is, Phi's not really all that interesting. It's just a simple root of a quadratic, no more 'mystical' than the square root of five. It doesn't 'emerge' from arithmetic the way e or pi do. It's a fixed point of the sequence of operations: 'take a number; invert it; add one; repeat'... that's, sort of interesting, but 'add one' isn't a very special operation - why not add 12? or add pi? or add phi?
Take a number, invert it, add two, repeat... eventually you get root 2 + 1. And the inverse of that is root 2 - 1! That's pretty magical! Kind of more magical than 'half plus root 5 over 2', anyway. Maybe root 2 + 1 is the platinum ratio!
Still, the number phi has very unique properties, considering its SCF. And the sequence of fibonacci ratios is not an arbitrary sequence converging to it. Whether anything has evolved to utilize this or not, I can not say.