It can be time wasting without the clock being on it’s so that you are not delaying to allow defenders to get back or set up, especially deep in your defensive half that extra 2 seconds can be the difference between a loose man at a ball up or not.That wasn't paid for time wasting.
The is no clear rule that you have to hand the ball directly to an umpire at a stoppage.
Jon Ralph doesnt know what he is talking about.