Quote:
You must have a way to make sure RAM cannot be written when Φ2 is low!
This rule of thumb is a simplification - a useful simplification. The danger that's being avoided by this rule is having a chip write-enabled when it's not safe to write - unsafe either because the chip shouldn't be enabled at all, or because the address lines are not stable and so the write might be directed to the wrong address within the chip.
So, by convention, many simple 6502 circuit designs use the clock to distinguish between the first part of the cycle, when address lines are still changing, and the latter part of the cycle, when they are steady. Few chips actually care about the clock - the clock is a convenient way to measure enough time that the address lines are stable. There are one or two chips which do care - as ever, the datasheets and an accurate timing diagram will help.
But other designs are possible: designs like the Oric which divide a clock cycle into several parts using a higher-frequency clock and do several things within one cycle (three things, IIRC) and designs like Acorn's Atom and, probably, the Apple II, which will carefully juggle propagation delays to allow for a video system access during phi1 and a CPU access during phi2. (In Acorn's case, this means two accesses per cycle at 2MHz which is twice as fast as Apple's constraint.)
See also Dr J's timing diagrams
here, which are discussed
here.