Question about all these improper TOs

[sfd]

Via reading all these post about the improperly granted TO and it has to be used even if Team wasn't supposed to get one. I can see this when team A is on defense and the official grants TO. What if it wasn't really requested, I say that's an inadvertant whistle.

If its not IW, how does one penalize an extra TO? Say Team A used all their TOs, the official thinks Coach A says TO and blows whistle. Now what?

Depending on situation, Coach A could realize he's out of TOs and say, "I was calling a play (five-out,side-out, whatever)" to avoid the T. On the other hand, how can you penalize Coach A for calling a play that sounds like time-out with a T just because he has already used all his time-outs?

Hmmm. Whaddya think? I can see both sides here.