I understand your point. :)
Those three points at the bottom shouldn't come into play unless it wasn't an observable pass. At that point, someone needs to make a ruling and then the possible challenge. That's the only time that should be an issue. What's three points compared to two?
Simple or not, I can't see an obviously dropped ball or a ball batted out of hand being both incomplete and fair.
No worries, though- it's just a gripe. My beef lies in the lack of review for reciever possesion when pushed out of bounds. ;)