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I think this is fair and would give incentive to teams trailing by a field goal to play for the win in regulation more.
They won't. No coach wants to be at the podium talking about how they gave up a INT in the endzone to lose the game when they were in chip-shot range of tieing it.
Football is the land of second guessing. Coaches are so conservative because this is how they've been trained to be. Look what happens when a coach steps outside that line in the Super Bowl...ie, Pete Carroll.