Can't blame Kamara, when only given 7 attempts to rush the ball. If he's their workhorse, then you blame that on play calling.
Cook had 28 attempts. He only averaged 3.4 yards per carry. Kamara averaged 3 with his meager 7 carries.
It doesn't matter how many times Brees fumbled during the season, it's when it happened that is the key. After that nice run by Hill they should've went right back to a running play and pounded them again.
Don't blame Lutz, it wasn't on him they lost. He made the FG when it mattered. They had a whole second half to atone for that miss at the end of the half.
The real key is that they didn't use their timeout to avoid the 10 second run off. Instead of having one play before having to try the FG, they could've had 2 maybe 3 using the sidelines. Even if they did get a play in the middle, they had time to spike it and get the fg team out there.
Fast forward to OT, everyone knew where that third down play was going. The DB had the benefit of the end line on both sides as defender and had his back to the play the whole time. Turn around, see the ball, knock it down and force a FG.
There's lots of blame to pass around on the Saints and it's not all on the Payton or Brees, it's a full team collective.
One last thing, the TD didn't have PI involved at all, anyone that watched games during the year never saw that called and if you did, it wasn't consistent. No excuses, teams get beat, that's why they play the game on the field instead of just paper.