I might butcher it, but my understanding is that there's a distinction between a "fumble" and "everything else" (backward pass, pitch, lateral, snap), but only for the offense.
Offense can only kill the play by recovering their fumble. Unless it's the goofy 4th down/2-minute rule where the guy that fumbled it can pick it up, but nobody else on offense can.
But if it's an "everything else", then all bets are off.
And for defense... all bets are always off.
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