I always think this too, but what should the rule be?
I definitely think offense or defense should only get it on the 3, 2 or 1 yard line or something. Moving it to the 20 is what makes it a real killer.
If the ball is fumbled out of bounds, it goes to the possessing team at the spot (I’m not positive if it’s the last one to touch it or the last one to possess it). If you write up the end zone rules same as that, the offense shouldn’t lose possession by fumbling into the EZ, let alone give the other team a free 20 yards while you’re at it.
Fair thing would be giving the offense possession where the ball came out. But then we couldn’t point and laugh at the showboating guys all by themselves who drop the ball before the goal line.