I don't honestly see a lack of commitment and desire or a lack of effort.
More a case of poor game management, lapses in concentration, and a total lack of on-field leadership. I also believe over confidence is more of an issue than lack of confidence. Cheltenham and Morecambe have both beaten us, and they are hardly beating anyone else. On the flip side, Colchester have only lost one game...to us.
i think its down to everything you have said, and a lack of both desire and effort
at 2-1 down and 3-1 down to cheltenham there was absolutely no desire shown by anyone to try and get us back into the game...............we were still happy to play 5 yard passes in slow motion between the 2 centre halves and crooks - who played deeper than any cheltenham player by about 20 yards - i think he must have made more passes than anyone, yet didnt affect the game is any way at all - just passing for passing sake.
no desire, no urgency, no application, no leadership, a lack of confidence resulting in a lack of responsibility on the pitch - with and without the ball.