In terms of blame, the buck always stops with the coach.
All the missteps...every decision made (good and bad), and every consequence that culminated in that loss was done with Jim Harbaugh's full agreement and cooperation.
Harbaugh made some tough decisions, and they (mostly) blew up in his face on Sunday. He found himself outcoached and outmaneuvered by a better tactician with a less talented team. And it's the second time in three weeks too. Harbaugh brought a winning attitude to a talented team and helped it play to its strengths, but in the process I think he started smelling his own farts and believing them to be essence of rose. I think Jim Harbaugh has jumped the shark.
So he thinks he can bench a player who was performing well, but got injured and reported it. He thinks that won't have an impact on team morale? He thinks it doesn't send a message to his troops about his loyalty to them and the security of their own jobs. Point here is that if Harbaugh ever brings up cards like "honor" or "loyalty", or comraderie...as part of his motivation for the team, they will tune him out because he's proven himself to be a BS master.
BTW: The way this game was lost is strangely reminiscent of how Harbaugh ended his QB stint in Chicago. (Anyone remember the play?...I do, like it was yesterday, I was no Bears fan, so I enjoyed the heck out of it.)
[ Edited by kray28 on Dec 4, 2012 at 6:57 AM ]