^^^ I think that is way too complicated. Why an exception for the ball hitting the ground? I don't see what difference that makes if you don't like the rule.
To clarify, the refs made the correct call, based on what the rule currently is, but...
I think it's bad for the game to have rules that encourage people not to try and make plays.
A dive out of bounds has a 0% chance of fumble, because the ball goes out with the player.
A dive out towards the endzone can result in a turnover, even if the ball is going out of bounds, because it nicks a post.
Therefore, the dive to the corner of the endzone because too risky to try, because it can result in a turnover. You end up rewarding a team who didn't make a play on a routine play, based on a technicality. (a ball getting dislodged on a dive out of bounds)
If the ball bounces in the endzone, I think it's fair to say that the ball wasn't immediately headed out of bounds, and I would feel OK with that rule applying.
Diving to the corner is a fun, exciting play. The reward vs. the risk becomes too little to try, and you're deincentivizing guys trying to make a great play.