Ya but here is what I don't get. Why not make it 1st and 5 or 2nd and 2? You either give them the down back or you let them use their down and keep their yards. Here you are giving them the yards they gained on first down, adding on the penalty and then even though they ran first down already and kept the yards they gained on it, you aren't making it second you are giving them first again, WHY? Its too much of a penalty. AND it has nothing to do with the five yard mask, I'm talking about any play that doesn't get you the first down yardage. Change it to 2 and 19 with a 6 yard run and a 10 yard D holding. 3rd and 3? Sure! 2 and 3? WOW...
Your idea, if I understanding it correctly, is already in use up here.
In Canadian application, if yards are gained (a first down is made), the application point shifts to the point the ball is held. Hence if
A is 2nd/6 at the B 46
A 15 runs for 16 yards, but
a 76 holds when the ball was at the B 38 (eight yards downfield from LOS)
The penalty application would be L10 from B38, ball 1d/10 at B48.
Or B could decline and let A have 1/d10 at the b30.
Something to think about if/when you watch our Grey Cup (Pro title game.)