This seems like really reaching for a scenario to maintain a point. Your scenario really isn't close to what actually happened so I don't find it a compelling argument. The fact is that the whistle DID blow and everyone thought the play was dead INCLUDING the officials until a call from the broadcast booth 100 seconds later. I would guess you have never seen anything like this happen. I know I sure haven't.
In fairness, my "hypothetical scenario" regarding Charbonnet on his back was just to make a separate argument regarding whether or not "the intent" of a player was important to the ruling. So that's a separated side-issue.
The thing that I stubbornly hold on to is that Charbonnet acted in a fundamentally different way than all the other players.
Everyone followed the ball when the ball was still in the air, and Curl almost caught it. But then, as SOON as it touched the ground, 21 of the 22 players stopped playing. ONLY ONE player kept his head in the game.
I've taken the trouble of watching the replay several times (not fun, but just out of my own stubbornness regarding this damn thread!

).
Every player (Except one) stopped going for the ball BEFORE the whistle blew. Speights and Turner slowed down and backed of BEFORE the whistle blew. Curl was on the ground and didn't have a chance. Landman was being blocked but showed zero movement toward the ball. On the Seahawks, Kupp didn't show interest, and the TE was down. There was only ONE player, and one player only, who followed the ball for the two second interval after the ball hit the ground and BEFORE the whistle blew. There was one player who thought, "maybe there's a tiny chance this play is still live for some strange reason."
BECAUSE Charbonnet was tracking the ball while it was rolling on the ground, he was the only guy in position to pick it up when the whistle blew. (Landman was being blocked, Curl was on the ground, and Speights and Turner were already slowing down and giving up on the play). So perhaps understandably, Charbonnet continued with his "nonchalant" attitude because he could sense that there were no other players nearby making an attempt at possession.
Which is my long-winded way of saying: EVEN IF THE REFS SWALLOWED THE WHISTLE AND LET THE PLAY CARRY ON, CHARBONNET WAS THE ONLY PLAYER WHO HAD A CHANCE TO GET THE BALL. Charbonnet was the only player following the ball the entire time it was rolling on the ground.
It's bullshit to argue that "if the whistle hadn't blown, the Rams would have had a chance at possession." That's BS-- only Charbonnet would have gotten it because he was the only one tracking the ball while it was on the ground. If you watch the replay closely, you can see that that is true.
The whistle blew (and it was one lone whistle) between the second or third "bounce" of the ball.
Look, I feel like I understand the counter-argument. I'm a Rams fan and I hate the outcome.
Granted it was only like 4 seconds maximum that the ball was rolling on the ground. And the whistle sounded in the middle of the roll. But in those first two seconds of the ball rolling on the ground BEFORE the whistle blew, Charbonnet was the only player still following the play.
If Charbonnet had completely waited to get the ball until AFTER the whistle blew, I might think differently. But he didn't.
Here's two replays, if anyone has the stomach to watch. (Puke!)
Charbonnet was following the play the entire time. Nonchalant, yes, but I'd argue that's in part because no one else was paying attention. He's #26, the intended reciever, and you can see he reacted differently from every other player on the field. Especially for the crucial 2 seconds AFTER the ball hit the ground, and BEFORE the whistle blew.
View: https://www.instagram.com/reel/DSb35ykDy-0/
View: https://www.youtube.com/watch?v=KcIcHOrmP3s