If the Chiefs had punted, and the Bills fumbled and the Chiefs recovered at the exact spot the pass went to, It is almost certain McDermott would have gone on to call out terrible turnovers are. If you believe calling the time out is the direct cause of the 4th and 17 conversion, then you equate it exactly to a turnover. Mistakes are why you can have a game with Josh Allen having one of the highest completion rates of his career. The offense has zero turnoevers. Mahomes has the lowest completion rate of his career, and the game somehow manages to come down to the last play of the game with it still in question.