Clock Management- AGAIN

Clock Management- AGAIN I'm seriously wondering how these guys just don't get it. Chargers 1st and Goal at the 1 and the Ravens have 3 time outs left with a minute to go in the half and they let SD run all the time off. Unreal!
Denver had the same problems against the Pats. And in the 4th when they did decide to use their TOs they would wait 10 seconds before using them (the first two). That's 20 seconds they could have needed.
Harbaugh does call time out down 20 with one minute left in the game. Genius!!