We got smoked last year too, by a bad Arizona team, for example and we still won the division. This team has just enough players to be good, meaning make a run at the playoffs but they are never great enough to be a serious threat. That's been a pretty consistent theme for the better part of a decade for this team.
And it's because the owner seems content with just being in the conversation. He's too cheap (and stubborn) to want to do what's really necessary to try to make this team great.
Now having said that, this year is unique because of the lame duck status of McCarthy. Lose next week and suddenly, you start to see the prospects of this thing coming off the rails. Why would they then play for a lame duck coach?