If we had lost that game, there would be a lot more saying what you're saying. For whatever reason, that "W" or "L" can erase a lot of what actually happened from people's minds imo. Just go back through the game thread...people were going waay further than you are...then we win and it's like none of it happened for some. Like you, I hardly want to drag Banks at all...but simply speaking on truths witnessed is far from that.
I think these, along with our abysmal 3rd down are legitimate concerns. Who knows - maybe it's the players - but when a defense can wreck lives on 1st and 2nd down and yet are nationally terrible at 3rd down - a highly playcall-dependent down...I think that shows the players are doing fine (not great, but good)...but it seems we aren't being put in position to succeed often enough on critical downs.