It couldn't get any worse than how he found it but the reality of our current situation isn't good. No franchise QB (or even a solid developmental one) and some ridiculous contracts has us hurting. He stuck his head in the sand for what 5 years trying to go all in with an aging Brees and all he tried to develop was Ian Book. Speaking of Allen, Payton endorsed Allen to be our next HC so yes it's very much his fault we're dealing with Allen's incompetence. I highly doubt Loomis hires Allen if Payton says 'meh, he's a good coordinator but not a head coach.'
Wear your tinfoil hat but I'm talking about specific instances that were reported by multiple sources including our local reporters. In 2015 he was poised to go to the Colts but Loomis came in with that monster contract. In 2019 everything was in place for him to go to the Cowboys but the Anthony Davis trade shut that down as Loomis couldn't have them both leaving at the same time on his watch. Before his "retirement" there was the Brady/Payton team up in Miami that got squashed thanks to the Flores lawsuit.