We played extremely sloppy ball and that falls on the HC for not getting the team prepared.
With that said, the refs need to call a fair game and an inability to do so needs to be addressed. I can understand it being 'sour grapes' when the refs made a single bad call when they generally have called a fair game, but when the refs are continually wiping away first downs for one team and rewarding the other team with free yardage to march down the field, there is a huge problem. When one team can continually hold and get no calls, but the other one is getting ticky tack calls the whole game, it's almost impossible to play through that.
The game we played against the raiders was a huge example of that where the refs literally took over the game and generated scores for the Raiders. Also, if the ref is getting in the way and preventing a team from potentially scoring, he needs to be looked at. In no other profession can you be this incompetent or corrupt and everyone else screams to ignore it and just work around it.