Another guy totally missing the point here.
Not at all. Why didn't you answer my question? In fact, why hasn't
anyone on your side of the argument answered my question?

The fact is that no reasonable person would knowingly, willingly leave an inactive player in his lineup if he had the opportunity to sub in an active player. That's a standard we should all be able to agree on. The logical assumption is that the owner didn't know, or didn't have an opportunity to make a change, not that he meant to start an injured guy, or just didn't care enough. We should also be able to agree that the "best" way to determine which team should advance in the playoffs would be for each team to submit a full, active lineup.
If I was stuck at work and left my stud RB in my lineup on a Monday night because he was declared inactive and I didn't get a chance to check, that's on me. No one is obligated to check up on my team and manage it for me. But if I found out the commissioner happened to notice that I was starting an inactive player, and was thinking about notifying me, but decided not to because it wouldn't be "fair" to my opponent, I'd be furious. Do you know how asinine that is? The "fair" thing is for both teams to field a full lineup, not for one owner to win on a technicality because the commissioner felt too scared to do the right thing.
Apparently this is really hard for all you college students to understand, but magic football takes a back seat to real life all the time. Someday if/when you have more important things going on in your lives, you'll understand. In the meantime, just trust that you're all being absolutely ridiculous here, and inventing standards that no reasonable adult would ever be held to.