Coordinates beyond the bounds of a transcript are like street addresses beyond the end of a street: we can imagine that the land exists, but we shouldn't pretend that we know what's there with any certainty.
For transcript variants in the imaginary areas beyond the ends of the transcript, the reference sequence is unknown. That means that you can't validate or normalize such variants. (The same is true for RefSeq transcripts, but we give that special dispensation because those variants are so common and we emit a warning when they're encountered.) People often suggest that we could use "the reference genome", but such regions differ even between GRCh37 and 38, so we'd need to specify which one to use, at which point we'd have a transcript variant defined in a region that doesn't exist using reference residues and normalization that depends on a sequence that isn't specified in the variant.
So, the problem with "just doing the math" is that it's guesswork at best. Extrapolating off the end of a transcript is inadvisable.
I think I'd be okay with a flag to change this behavior, but no one has offered to implement that. As always, PRs are welcome.
-Reece