Since we're all sitting around trying to figure out what is wrong and where to place blame, I thought any explanation would not be complete without wonderful superstitious theories that only hold true in the sports world.
My superstition that I pose to you is the Bank of America curse. Ever since the financial collapse of 2008, of which BofA was a major part, we have not had a winning season. Our stadium is named for an organization that has a lower approval rating than congress (ouch!)
May I suggest Apple Stadium?