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The rationale for bean bagging fumbles that occur behind the line of scrimmage is in the definition of a loose ball play.
A loose ball play is a ...fumble...made from in or behind the neutral zone...
The bean bag indicates where the fumble was made. The rules specify the type of play and subsequent enforcement spot.
I think most would agree that you want to bean bag a fumble made near the line of scrimmage. At that point you are injecting subjectivity into your mechanic. Why not incorporate a consistant mechanic where all fumbles and incomplete backward passes are bean bagged?
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