The belief that double coverage is "not as smart" to throw into than single coverage stems from the erroneous belief that two times the defender equals twice the chance to defense the ball. It doesn't work like that. There is either a right pass or there isn't, and most QBs tend to just ignore the situation all together. But that's mathematically ignorant.
I'm not sure what you think is erroneous about the assertion. The only time that anyone should throw into double coverage is under a few circumstances when there are no other choices due to the high risk of causing a turnover. Statistics show that turnovers have the greatest correlation to winning and losing after all.
The other factor that makes the notion of attributing no points to passing to open receivers is that it puts no value to pre snap reads or being able to move quickly through a progression tree. If a QB is throwing to double covered receivers because they are too slow to make it to their fourth progression then that is a problem, but PFF rewards them for it.