Along the same lines of the argument that the defense had surrendered field position, I would argue that all the offense has to do is hold on to the ball. If you cannot do that at th most crucial point of the field, you should be punished. Right now, as a player, you have to calculate the risk of reaching out with the ball to cross the goalline or keep it tucked in and try to fight your way through the defender. Changing the rule means the offensive player doesn't have to worry about fumbling. Stick the ball out everytime, because worst case you will have the ball on the one inch line and can try again. Also, anytime you fumble and it goes into the end zone it is a forward fumble, which means the offense is gaining and advantage from a fumble.
The rule is good. Leave it.