While I would like to see the authenticity of punters holding for PAT's and FG's, until Madden incorporates bobbled snaps, its a moot point.
I understand that having 2nd string QB's as the holder promotes more "cheesing" online in terms of fake field goals and what not, but even if there were punters holding, whats to stop the user from subbing in a QB as a holder?
There has to be some type of penalty for having someone having an "unqualified" player as the holder of PAT's and FG's, before making a change is relevant.