Garrett is in charge, he's a bad coach. He has pretty much always been bad. He might be ok as a locker room guy, but in X's and O's and as a game day General, he's bad, he's always been bad.
We can call Kellen Moore awesome all we want at 3-0. But, even then everyone was saying, "the offense hasn't changed". It didn't. It's still Garrett's offense. It's still what he ran when he was OC. It's still what Linehan ran, very ineptly.
Same on defense. Richard can call plays all he wants, but it's still Rod's defense. It's still his scheme.
The executives dictate the team. They're responsible. Many of the reasons the team lost today were executive decisions. It's not the first time we've seen it. Sadly won't be the last.