Because of the cursing/blasphemies that the mundane utters when he screws up, maybe? I could at least put that in as one of the options. That would really add some fun and interesting choices for mundanes. Hmm, do I want to take an AoO or have someone else lose a spell they obviously aren't even casting ....
Yeah, but this still leaves the ones with the most attacks taking the most funbles. I had thought maybe a hard cap of no more than one fumble per ... something, but even that still means that the gnomish canopener will have a funble time interval whereas the half-orc ugly-stick with an identical attack bonus will still suffer only about half as many. And it feels a bit hokey to limit it that way. Same with an explicit exception for dual-wielders.