The NCAA rules also follow the 3-and-1 principle, as they call what NFHS calls "All But One". The situations are the same (A foul ahead of basic spot, B foul ahead of basic spot, B foul behind basic spot, and A foul behind basic spot) and enforcement principles are similar (screw the offense is the expression used for the "one" part of 3-and-1, the A foul behind the basic spot). The reason for the exception on holding fouls is that the offense is put into double jeopardy by enforcing the foul as a spot foul AND 10 yards. NCAA decided to make this play just a 10-yard penalty, probably to negate any gains, while not compounding any losses by the offense due to a defense's good plays. This would give coaches an interesting decision if the defense makes a tackle for loss: accept the holding penalty, and give the offense one more down, or decline the penalty and keep the result of the play.
The automatic 1st down fouls also follow 3-and-1, except for defensive pass interference and kick catching interference. These 2 fouls are treated specially, because KCI awards possession to a player unfairly denied a chance to catch the ball, and DPI is sometimes used in a deliberate manner by defensive backs who are beaten, either to waste time and prevent a score, or to try to regain proper position. The chances of deliberate DPI increase the closer that teams get to the end zone, hence a 3-tiered penalty: spot enforcement for passes shorter than 15 yards, 15 yard enforcement for longer passes, to not overly advantage the offense, and the ball at the 2-yard line, for fouls committed from the 2-yard line to the end zone when the ball is snapped between the B17 and B2. This is done to give the offense a better chance at scoring, by placing them in striking distance of the goal line and to prevent the defense from exploiting the half-the-distance rule.
Even though NCAA rules are more complex, due to the number of exceptions, I believe that the principles behind the rules are more nuanced, and can therefore allow for more equitable outcomes than the NFHS rules (NCAA holding rules do not punish a team twice (from the spot of the foul and 10 yards), rather they only assess the loss of 10 yards)), the automatic first down on DPI prevents defenses from gaming the rules to deny obvious scoring opportunities and waste time, and the automatic 1st down on personal fouls and unsportsmanlike fouls by B also acts as a deterrent to illegal acts).
I agree with Morningrise and Magician about NCAA vs NFHS holding rules. I agree with the answers for 1-4, but why 5? Is it because the foul occurred during the 1st run that ended with the loose ball from the backwards pass to A25?