Craig,
The pattern you illustrate below is certainly true of Standard English. However, in colloquial speech and in non-ztandard varieties of English "that" is dropped regularly before 0 subjects in relatives. I hear people say things like "Anyone/thing touches you touches me" fairly regularly. This syntactic change is taking place because that's outside the relative clause, just as it's outside the content clause. If it were a pronoun and perceived as a pronoun cognitively, then I would also expect to hear things like "Thatever gambles loses" along with "Whoever gambles loses." But that's one I don't hear. The fact that "that" doesn't delete before a 0 subject relative clause in Formal Standard English reflects the conservatism of that dialect.
Herb
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