I didn't see the roughing call or hold, but if a ball carrier can draw a personal foul by lowering his helmet and charging a defender we might as well cancel the sport they've been calling questionable hits when the defender lowers his head all season. it's not like this is a new thing that they just did this game. doesn't really matter if you agree with the overall rule, it's been strictly applied this year. This wasn't about the defender, it was about the ... offender. The defender's only options there were to be penalized, to be speared, or to run away from the ball carrier. Maybe you've seen that called a lot this season, I haven't (although I'm not a big college football fan, so you're more likely to have seen it be called if it is). It's either a terrible, horrible, no good very bad call or a rule written by a madman.