That indicates a team that is over matched. The other team keeps it close, then puts on the gas in the 4th quarter and we can't keep up. It happened in 2017 too, when we lost a lot of games in the 4th quarter.
And that's not all on the qb, because the defense lets down too. It also happened in the KC playoff game last year, when we had Luck, where after they got a big lead then we came to within a TD, they simply scored quickly and won going away. We were simply overmateched as a team.
Its a pattern that's indicative of a subpar roster.
I think the issue is trust in both the qb, and playmakers. When you have Luck and an entirely healthy offense, some of those risks are calculated. You can go for a 4th and 5 (with a lead) with five minutes left, knowing that if you get it, you coast to a win. If you don't your offense still has a solid chance of scoring to win late. Reich doesn't have the players to justify those risks currently.
If he can stay healthy he is going to be a star. He had a breakout game against KC and was on his way. He has the work ethic and dedication. Hopefully that injury doesn’t make him lose speed. You can see he still has something on his leg. Just the fact he is working on his hand fighting when that is all he can do shows how much of a hard worker he is.