Sorry, I don't understand what you're saying.
Right now, if a ref is 75% certain it's not a fumble, he'll blow the whistle and the play is dead.
With the change we're talking about, if a ref is 75% certain it's not a fumble, he throws the bean bag and lets the play continue. When the play is over, the call is "not a fumble" just as it would have been before. The ball still goes back to the bean bag as if it was blown dead right there.
The only difference is in the second scenario if the opposing team challenges the call and gets it overturned, the rest of the play counts.
Not to speak for anyone else, but I'm not talking about doing this on all fumbles. Typically, the ref will call the play dead if he thinks there was no fumble.
I think that, specifically on these "inadvertent whistle" plays, like the Hochuli play (and something similar happened when the Colts and Chargers played in '07, and a play got called dead when it shouldn't have), instead of the ref blowing his whistle, he throws down his hat and the play the continues, just in case he got it wrong. It doesn't happen very often, which is why such a big deal is being made of this one call. But when it does happen, neither team should have to use a challenge; it should be automatically reviewed.
It's just such a momentum changing event, when it does happen, that the NFL should do something to make sure that they get it right.