LOL @ some of you idiots.
The reason why Wake took a timeout there, was because Navy's coach opted not to. It was 3rd down. So, since Navy wasn't taking a timeout, they let the playclock run to 0 and took a timeout to avoid the delay of game.
Coming out the timeout, why kneel? Wake Forest kneels, Navy calls a timeout, 4th down. Now what? Does WF punt it? Attempt a FG with the risk of it being blocked/returned back, or, miss, giving Navy good field position?
Navy couldn't tackle for shit, and that's why the TD was given up.
On the flipside, the QB already got sacked for Navy right there, so they had to take a timeout. Had they not, and ran another play to go into the endzone, another tackle, sack and that could be ball game right there.
So, they chose to kick the FG since they were already in FG range. They need two scores anyway. Kick the FG, make it, onside kick hope to recover, and then you have a shot at a hailmary into the endzone.
It's not that hard people