The reason I feel our poor secondary lost us the game is because any competent (or even halfway-competent) CB/DB/S should have turned those into interceptions instead of big completions. We have the ball, they don't score. It also allowed McCarthy to build some confidence. Did you notice how tight Michigan's coverage was on our receivers? Yes, there were a few drops of well-thrown balls from Stroud, but a fair amount of them were incompletions because the coverage men made excellent plays. The rest of the defense was more than adequate (30% better, at least...)
Yes, the bad penalties (holding, false start, etc.) didn't help, nor did the STUPID penalties by Stover or Scott Jr., but those by themselves didn't lose the game for us.
Yes, the boneheaded play calling hurt us. Bubble screens and RB pitches to the outside didn't work, same as it's been all season. I'd be surprised if Hayden stays since we somehow thought the 5th? string LB/RB was a better option. (Not to take anything away from Trayanum's solid performance)
I still think Stroud is the best passer OSU has ever had, but you never saw him fired up or willing to give everything to come out with a win. There were more than a few times with 10-20 yards of wide-open turf in front of him and he chose not to run. Definitely lacking in leadership compared to others we've had with less arm talent. In the end though, he will be remembered as not reaching his goals.
I'm most interested to see how Day plans to fix this.