Because I don't think those two are viewed the same. Baylor has been sneaking by weak teams lately and hasn't beaten anyone significant.
Minn has been crushing weak opposition and had an impressive (non fluke) win over a top 5.
Any team will drop if they lose, but dropping like a stone, that would take more than a lone loss for either of them, though I would agree Baylor's margin for error is less.
But just imagine if Baylor's only loss is a close competitive loss to OU and Minn loses 2 but one is a last second nail biter at Iowa and the other is a competitive game but loss to tosu in B1G championship...then what?