You’re 100% correct, if a did a kneel down I wouldn’t have fumbled. I almost always kneel down in those situations, but I get tired of doing it because I WILL fumble rather then I might fumble.
From the defense’s perspective, getting a fumble in that situation is like the offense completing a hail mary, but in Madden (maybe only on All Madden) it’s seems like a done deal.
If there’s a part of you that believes some of it is scripted I encourage you to embrace it and look for signs like fast ball carriers being run down from behind by slower players, ball carriers in the open field who are constantly tackled a foot short of the first down marker or the goal line whether it’s a 5 yd run, 20 yd pass or 50 yd pass. Small QBs who run over Dlineman and LBs like a tank. Again, maybe this only happens on All Madden.