There is plenty of blame to go around for that loss. Consider the fact that the defense gave up a 93 yard scoring drive, and couldn't stop the running game when it counted.
ST were sub-par (which makes me look for a big week against Miami!), and the offense, though improved from last year in many respects, still can't get it done over 4 quarters.
What we have here is a work in progress. I expect to see things get better as the season goes on, but I think playoffs are a bit premature and Losman-bashing at this point is way off the mark.