Just look at the reason you drop a beanbag. Generally, under NFHS rules, a beanbag is dropped to mark the spot where player possession is lost.
That would include the QB losing control on a handoff, a runner fumbling, a receiver fumbling the ball in the run after the catch.
You do not need to drop a beanbag for any loose ball play where possession changes, interception, reception of a scrimmage kick. Exception would be first touching by K of a scrimmage kick. R will have the opportunity to choose the spot of first touching.
Wingmen might want to drop the beanbag when contacted by K in an onside kick within or near the neutral zone to mark the spot of first touching.
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