At first I read that as over-encumbered and with no hands, and I thought I'd probably give disadvantage on that.
Lol.
Though that's a good example of letting the players push their own luck. Either drop something or risk the roll. Throwing DCs at players is both boring and is why there is a play culture focused on either avoid the roll or pushing the math off the die.
what is the point of living if you can't deadlift?
All credit to the amazing avatar goes to thoroughlyS