Difference between this one and Fiziev one was that Pineda ate an extra punch whilst flat on the floor.
There's more to it.
Watch the ref (sorry, don't know his name) with the Swanson KO. He was watching Pineda the entire time and as soon as he took one shot on the ground and he wasn't defending himself, he stopped it. It was a clinical stoppage and exactly how they would teach you.
With the Moicano one, the ref is further away so he doesn't have the same vantage point. You can't overcompensate for your poor position by immediately flailing over the top to protect the fighter. You need to move yourself into better position and then assess. He panicked, flailed, and was wrong.
People make way too much of a deal out of guys taking an extra shot. Every single fighter would take one extra shot vs having the ref end the fight prematurely. You need to protect the fighter with your positioning and awareness, not by guessing.