re: Why is everyone whining about that personal foul at the end?

First, it was a no call or off setting at best. Second, and more to the point, the penalty changed the outcome of the game. This was not about fumbles or missed catches or conservative play calling or prevent defense. It was about an unnecessary call stealing momentum and an opportunity to either score a TD or run down the clock before the field goal. While there were many missed opportunities to win the game, I hate that the most decisive game change was an bad call from an official.