Miss long instead of short into water
The player has 213 to the flag with water just short and chooses the safe three-iron option even though it may be too much club. He says he would rather be over or past the flag than in the water. This is a risk-reward approach decision where the short miss is the penalty.
Channel: GoodGood
Watch official source at 13:40Why this context matters
The specific penalty is water short of the green on a par five approach.