On the first foul, from the stands, you will hear "s/he didn't foul".
On the second foul, from the stands, you will hear "that's two bad calls ref:.
On the third foul, from the stands, you will hear "watch it she has three because of you ref"
On the fourth foul, you will hear "s/he never fouls out, this is your fault ref".
On the fifth foul, you will should hear "well that's just great, you fouled him/her out ... you happy now ref? You're costing him/her a full boat scholarship to Duke/UConn/Tenn."
As you can see, if you're in tune with what's going on in the stands you will never miss the 5th foul and this simply won't be an issue.