I think you're right in that they over scheme and dont play to their strengths.

But I dont think its complicated schemes, I think they play scared and passive. Not to lose. Lets play loose passive zone so the QB doesnt run. And then let him pass the crap out of us . Then fail to adjust when it doesnt work until too late. They dont let the talent play or make plays because theyre scared to give up a big one, not because its complicated but due to playing scared. Same on offense. Dont try to get a first down, just burn clock euth a lead and lets hope to get out with a win. They dont play to their strengths they dont attack. They bend over and take it and try to steal wins at the end. Tressel Kelly ball. The opposite of Sean McVay or a Jimmy Johnson.