All teams have a plan/tactics and are basically trying to execute that approach on to the opposition.
And if they succeed it can make you look like you're having a horrible game (as in reality, you are). Arsenal did exactly that on Sunday. Defensively we looked at minimum, flustered, and at worst, all hands to the pump. We were so busy dealing with their approach it gave us little room for our own.
That's the worry, better teams with better players and coaches we struggle against. The worst thing a team can do is give us respect, they should go for us.
The other worry is the players on the field, but probably more importantly, the manager, appear to not know how to rectify it.
Its over critical of the players to say they're lazy. There was no sign of laziness against Palace or Zagreb so I'm not sure why they would take the field with that mindset (especially considering the enormity of the game).
I think we can go round in circles (and we are) considering whether it's the players or manager at fault but I think we are just shown up by better teams. That's not to say they 'should' be better, individually some might not be, but collectively they are just smarter. So my conclusion is the tactics, system, approach falls at the managers door.