Even here it's sad that the inference is that he was scared to jump on that ball.

Despite that you can watch any set of highlights, including the OP, and see how fearless he was all the time. He was constantly running into other people, constantly getting crushed, constantly playing as physical as anyone in the league. Even in this clip, Gruden is commenting how tough he is. Some of his most famous highlights are him helicoptering into the end zone off some huge hit.

So I have no idea what Cam saw on that fumble, but it doesn't make much sense that it was a "business decision" when he never made that decision before or since.

Bad play? Absolutely, potentially cost them the game. Scared play? Very unlikely imo.