Really, this is a pretty incredible discussion. Viewing something relatively simple as very complex is puzzling.
There was a Rules official with every match, every day; that person has nothing else to do, no other function, but to insure that the Rules are followed.
Sagstrom screwed up. I think she's a great player, and from everything I hear, a great person, but she just screwed up. It was unfortunate, it was inadvertent, but it was a screw up.
Why? She made NO attempt to determine if any part of the ball was overhanging the hole, and then touched the ball; that was a mistake either of commission (picking up an overhanging ball) or omission (not knowing the rule about an overhanging ball that has come to rest). Unfortunate, inadvertent, but a screw up nonetheless.
And that's all there is to it. Really, Korda wasn't even involved after the ball left her putter.
And the idea that the official shouldn't have pursued the matter is the most absurd idea of all. If you think that, don't write it. If you've written it, don't write it again. And if you still believe that, then try to get thru the rest of your life as a sports fan without EVER bitching about officials in any sport, because a call not made is just as impactful as a call that is missed. If you think that the official decided that match, understand that if the official hadn't dealt with the matter, that, too, would have been deciding the match. You can't have it both ways.