> Generally if there is a "then" clause after the "if" clause, such as in this very sentence, then the "if" clause is NOT subjunctive, because you are making a statement about what MIGHT be true. The problem is that the word "then" is often optional, and in fact it is omitted in the "if he was late for a meeting, [then] that would explain why he was in a hurry" example.
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> S "English is crazy/fun" am

"If" isn't the only one, though. "Wish" falls somewhere in there, too. "I wish I was" grates on my nerves like no other.