Absolutely both. Overpaid, didn't do a good job in terms of building a team, didn't give some of them a decent chance
Bit of everything. Biggest issue is we haven't defined the roles of owner, manager DOF etc etc seems to have been a bit of a free for all and it's a fuck up.
We've got people in power who were too weak and koeman who seemingly didn't give a fuck for the actual worth of the players he wanted