Here's the bottom line....and it doesn't get any more straight forward than this. Three of the most important people in the entire football organization are the GM, the head coach, and the quarterback.
Our GM should be an accountant/Cap guy.
Our HC should be a defensive coordinator.
Our starting QB should be a backup QB.
In other words, at 3 key positions in the football organization we have guys who are in over their heads IMO. They're all close...but just not quite good enough do the exact job they're in the position of doing.