Steve: I know it is a foul, and I think play it where it lies, just like if you touch the cue ball with your hand or accidentally with tip.
You're right, Dennis. The penalty is loss of one point, not BIH. BIH behind the head string in 14.1 really only occurs on a scratch or jumped ball, where the cue ball can't be played from position because it's not on the table. A similar situation occurs when you take an intentional foul. You lose a point but the opponent must play the CB in position.
Typically, when the CB is on the table BIH only occurs as a penalty to the player committing the infraction in games like 9 Ball or 8 Ball. Where there otherwise wouldn't be a penalty, ball in hand is the penalty. But in straight pool you are penalized by losing a point, so no BIH.
Per the World Rules, BIH behind the head string only occurs on a scratch or CB off the table, or less commonly under certain circumstances when there is a bad play from behind the head string with BIH.