1. Major injuries.
2. Major injuries.
3. Young star in rehab.
4. Questionable play calling for a few games,
5. Having to adjust how they play on both sides of the ball due to the injuries and rehab.
6. Not so major but debilitating injuries.
7. Fixing special teams with money and adding defense and a solid TE only to find your great WR core entering the season is not on the field.
No this isn't a draft problem, or an "our staff is stupid" problem, or a "they can't evaluate talent" problem, or a "Cam Newton would save the day" thing, or a "BJ Daniels is the next great thing and I called it cause I play fantasy football" retardation.
I think it is a lot more complex than that.
The way I see it this team was put together to win the Bowl this year and unexpected things have happened.