Wood decay fungi need four things at once: wood, moisture, oxygen and a suitable temperature. The ground line on a deck post is the one location where all four converge reliably — the wood wicks moisture from the soil while still having free access to air, whereas wood fully buried is oxygen-starved and wood well above grade dries out. That is why the classic finding is a post that is firm above and punky right at grade, and why probing at that specific height is standard practice. The pattern in this question is diagnostic on its own: sound wood above, soft wood at the ground line, is decay, and the fact that the deterioration is at a load-bearing post makes it a structural finding rather than a maintenance note.