"So and so should have do this, or he should have done that". You could second guess every touch of the ball if you want, but it would get you no-where. If Gerrard had burried it, it would have covered up other mistakes. If mistakes wern't made, then Gerrard's miss would not have mattered. Same is true if Rooney had taken all the chances he had. It all adds up the same way. The team lost. They are supposed to work together. They share credit for victory, they need to share blame for defeat. No "i" in team remember!