We all know what the problem is

Of course Payton is the problem. It doesn't mean he will continue to be the problem, but he is responsible for the full product of this team. He sets the culture, approves of personnel and coaching decisions and is responsible for making adjustments where needed.

I'd give him a C- on all of those things this year. Combine that with a little bad luck in injuries, and you get a 4-6 record.