I agree also, That was not my issue. My issue was with the -1 for fumbles that are not lost. (ie offense recovered). If our league has that they isnt and additional -3 for lost a bit much. I dont mind -3 for lost fumbles, lost being the key word, but I hate hate the -1 because a majority of fumbles come from the qb position, many of which arnt his fault, but cause by line breakdown.
Example, a qb has a decent day but has the ball knocked out of his hand 3 times of which all are recovered by the offense. He just lost 3 points for my team, but did not have a major negative effect on the game.
I understand its a lose of down, but do we penalize a rb that doesnt gain any yards on a running play? Has about the same effect.