On the punt and the personal foul on Pitt. It is called PSK (post scrimmage kick) meaning it is a loose ball foul. Once that ball went over the expanded neutral zone it is a loose ball, Arizona does not have possesion anymore. That is why the official must throw a bean bag where the ball is first caught by the receiving team. Because that is where the PSK ends, and encorcement then occurs from there.
Also, he should throw the bean bag there in case this situation happens. Let's say Arizona punted and touched the ball at the 10 (didn't down it, just touched it) and Pitt picked it up and ran it to the 50 where he fumbled the ball and recovered by Arizona. Pitt has the choice to get the ball back at the 10 where first touching occured.
On the roughing the holder- The rule is very similar to roughing the passer. The passer, the holder, and the kicker have protection. You can not hit them!!!
Same difference if the QB throws a pick and it is "roughed" after he throws it. Personal foul, roughing the QB. offense gets the ball back.