I pretty much agree entirely. Maybe I am wrong and just have not seen when it happened, but for whatever bad games and garbage moments Mahomes and Burrow have had, I don't recall ever seeing their demeanor similar to how we have seen Allen this season. Everyone has moments of frustration, but this team has zero identity, no confidence, and mentally I think they're going into games now expecting things like this to happen. They will continue to fail horribly as long as that is the case, and fixing that starts higher up the chain than Allen or any other team captain.
Like I said, it's "possible" that a suddenly unstoppable offense fixes everything and gets everyone's head back on straight, but that's asking a lot at this point, and it still doesn't resolve all of McD's now obvious shortcomings. Currently it feels like the only way for this team to truly succeed is for the offense to somehow perform at such a high level that it compensates for the inevitable failure of McD's decision making in critical moments. Those moments become far less critical when you're up by 2 or 3 scores.