There’s a lot of finger pointing going on in Baltimore right now. Everyone thinks they know what the Ravens biggest problem is and why the Ravens lost on Sunday. Everyone is happy to give more than their two cents.

So far the most popular answer I’ve heard is the Ravens “weak” secondary. Just about everyone is pointing to a secondary that has allowed big numbers to big names. From Foxworth’s lack of physicality to Carr’s stumbles to Walker’s penalties.

In reality, we should be placing blame on every single Ravens player and coach that took the field on Sunday. They all failed. They all had opportunities and they all missed them. What we saw yesterday was exactly the opposite of the sharp, smart and dangerous Ravens teams we have come to know and love.

Following a nasty loss in New England last week, everyone expected the Ravens to bounce back with a vengeance and obliterate the Bengals. Instead, we got a lackluster effort. We got a team that looked too comfortable for its own good and then uncomfortable when it mattered most.

For me, it all starts with coaching. As a team, the Ravens were not ready to play yesterday. Whether it was complacency or disinterest or lack of focus, the Ravens did not walk into M&T Bank Stadium like a team that was ready to win that game. And that falls on the shoulders of John Harbaugh and his staff. No matter how good the Ravens may have looked in week’s past, it is the staff’s job to make sure they are ready to go on gameday. They weren’t.

You could tell on the first few series – the Ravens simply didn’t have their heads in the game. They looked bored.

But aside from the team’s overall lack of intensity, each unit lacked focus and discipline individually.

Offensively, the entire group looked disjointed. I am still unsure of any of Cam Cameron’s game plans. While the Ravens have been impressive at times, they don’t have an offensive identity. After criticism last week for being too pass-happy, it seemed that Cameron came down too far. The Ravens offense was predictable.

The Bengals defense is far improved from years past, but they are not spectacular. The Ravens should have been able to exploit some weaknesses, but they didn’t. That falls on Cameron.

Defensively, everyone is happy to point fingers at the Ravens secondary. And yes, the group has been a weak point this season. Unfortunately, mid-season, there is not a lot to be done about personnel. We’re stuck with who we’ve got. What bothers me more than our personnel failure has been Greg Mattison’s inability to adjust his defensive schemes to help his personnel.

The Ravens shifted their secondary personnel over the last two seasons – away from physicality and towards speed. That’s okay, actually. But you can’t expect a speedy corner to play like a physical corner. Washington, Foxworth and Carr cannot just overpower good receivers, they have to outsmart them. All three corners (four including Frank Walker) have done a fine job running with their man most games – but they have failed at making plays. Foxworth tried his best on Sunday, mauling Chris Henry to draw a pass interference call, and Henry still made the catch and ran 50 yards.

It is up to Mattison and his staff to find a scheme that works for these defensive backs. That’s going to mean teaching them how to find and play the ball, not the man. The Ravens will lose 9 times out of 10 if their DBs try to play the man. And up front, Mattison needs to find a scheme or a personnel package that is able to pressure the quarterback and assist the secondary.

On all three levels of the coaching pyramid the Ravens looked outmatched. It’s not a nice feeling, nor one I want to get used to. The Ravens have the talent – on the field and on the sidelines – to win every game they play. Both sides need to work to make that real.