Oh, for fork's sake...
Couldn't it be both? McDermott (et al.) did not call the correct defense during 13 seconds, and the Chiefs were better prepared. Besides, if we're giving credit to them and their coaching, we should also point out that the 49ers should've beat them in the Super Bowl but somehow managed to lose. Maybe in the overall scheme of things (players, coaches, play calling, game time decisions), we're not at the Chiefs level. I wish we were, but we're not and it sucks.