Held ball or foul?

[Pantherdreams]

NFHS POE states that they don't want jumping onto others to try to create a held ball or go for the ball, but it does specifically state that contact is incidental contact if both players are in equally favorable positions.

Maybe I'm reading this with my own view point but if contact when both players are in possession of the ball or the ball or players wouldn't/don't move anywhere else that seems like pretty equal or favorable position in terms of impacting the play.

In unrelated news FIBA has no such POE.

I also see a dramatic difference between a player jumping/diving from 5 feet away to crash into a player on the floor and a player standing over another player who has to leave their feet to get the ball as the player on the floor tries to rip the ball away from hands.

In both cases the player is "jumping" down onto the ball/player but contact, rough play, access to the ball are not equal. I think this may come down to either:
A) how we're reading to interpreting the POE (that again doesn't exist in 90% of games I officiate)
B) What we are considering "jumping" onto a player on the floor.