[JLMatthew]

From the sounds of it I can offer an interesting perspective. I'm 23 and have been doing this for a couple of years. This means in my experience the head coach has always been able to call a time out. I've got no problem with the rule at all.

If I've got a trouble sit. where a coach might want a TO (trap, triple team, etc.) I ref the game and don't grant it if I can't verify it's the coach. If he gets upset I very briefly explain why I didn't grant it and if he continues like a jerk I whack him. I have no problem calling the game right, talking to the coach and taking care of business if need be. I've actually found that having to pay attention to a coach TO has helped my game awareness and game management.

I think that we need to feel confident enough not to grant the TO, explain why, and then talk to the coach and diffuse the situation. Oh yeah, and whack when necessary. Peace.