To be honest, I think coaches are more afraid of looking stupid than they are of hurting their team's chances to win. It's most egregious in football, but is true in basketball as well.
Letting a guy play through 3 first-half fouls probably improves your chances to win. But you look stupid if they guy fouls out early.
You're video game philosophy doesn't work in real life.
UConn was called for a foul every 1:15 of game time. During the first half Adams committed 3 fouls in 12 minutes. Ollie gave him his chance and trust to play through the half with 2 fouls and he blew it.
You leave him in with 3 you are doing a disservice to the team. Jalen would not have been aggressive on offense or defense from that point forward for fear of picking up #4. What's the point in playing 4 vs 5 for 8 minutes?
Also Cronin would have instructed all his players to attack jalen to get #4 on him. If Jalen didn't foul then they are getting easy layups or dump off for dunks or 3s because uconn would have been selling out to help Jalen and protect him from getting #4.
Simply put you are completely wrong with your philosophy and it giving uconn or any team a better chance at winning