Hello Bill,
I like where you're going with this. Personal belongings could include a players clothing, or hands-off, or any personal affect that might obstruct the direction, or flight of down cards pitched by the dealer. Therefore, any down card exposed during a deal will be replaced. There is no option for the owner of the hand to keep that card...it must be replaced.
Good idea, Bill...why not? That's the way rules should be... Firm!