I said it before, but a falling object has no force.
"A force is a push or pull upon an object resulting from the object's interaction with another object. Whenever there is an interaction between two objects, there is a force upon each of the objects. When the interaction ceases, the two objects no longer experience the force. Forces only exist as a result of an interaction."
With the rolling car analogy, if we consider only the car and the brakes, no forces are present while they are not interacting. Once the brakes are applied, forces come into play and reduce the kinetic energy of the car and increase the thermal energy of the brakes. While the car is just rolling along, it has kinetic energy, but no forces between the car and the brakes are present.
Inertia and energy are not the same as force. Energy is measured in joules, force in newtons.
I think it's incorrect to say an object gains force. An object can gain energy by falling, through acceleration due to gravity, but a force is not exerted until the falling object interacts with another object and the (kinetic) energy is transferred or converted.
Instead of saying "If the groundsman applied the brake late, the accumulated force through acceleration will be greater" I'd phrase it along the lines of "If the groundsman applies the brake late, the fall distance will be greater, increasing the kinetic energy of the object, which will require application of a greater deceleration force to bring the object to rest."
I think we're past the issue of units of measurement affecting anything and agree that the deceleration force is inversely proportional to the deceleration distance. I agree that a real world (as opposed to ideal or simplified) force calculation would be similar to a compound interest calculation IF the deceleration curve is a geometric sequence, not an arithmetic sequence or variable.