All other football codes seem to have this under control. You talk back to a ref or umpire you’re penalised further. You touch a ref or umpire you are either sent off or will be suspended later.
Just implement post game reviews. Anyone who argues a decision, delays play, simulates injury (including simulating contact to a different part of the body to the actual contact) or touches the ref can get a card (hence can miss a following game) or a lengthy suspension.
Geez, you get a red for possibly saying something nasty behind your hand, but you can dig up a penalty spot and get nothing.