Green Cross Code Man
Wunt be druv
It's easy to figure, as you put it. SAF wasn't given the funds to compete with Chelsea and City in recent years (RVP purchase aside) so his squad became weaker. Despite this, simply having him as manager was enough to ensure those players delivered everything they are capable of and United continued to win matches/trophies, even though they have not had the best squad in England for some time. Now, you have a mediocre squad that has seriously overachieved in the last two or three years in the hands of an average manager with zero experience of competing at the top end of the table or in Europe. It was always a disastrous appointment. Jose was the only man who could have rebuilt United and kept them winning in the meantime.
Personally I would blame Ferguson. He seems untouchable for some reason in spite of his belligerent and aggressive manner. His team played great football but in my view that was tarnished by his acceptance of cheating on their part. Yes I know most managers are the same.
Looking at the last 10 years only Chelsea, man city and Liverpool, spent more on players (net). Over the past 3 seasons (a suitable period of time to allow for team building) he spent the third highest amount. By that criteria, he cannot use lack of money as an excuse. So yes I blame him for sowing the seeds of failure.