Also in my opinion this time-limit should manually be over-ridden with
supervisory intervention ! I can understand that for large airports the
45 minute limit is needed but for smaller airports this could be little
flexible.

I had a similar issue with Air Canada in Boston where their baggage
check-in and baggage loading is literally next to each other. They were
able to accept my baggage when I had missed the cut-off time by couple
of minutes or so.

I do understand that there needs to be time given for TSA security etc. but
in certain situations, this policy should be a little flexible when it is
possible to load the baggage without delaying the flight..

Not everything need to be controlled by computers !

F.A.