It definitely is talent and coaching. As others said, against Ohio State it mostly our disparity in talent compared to the Buckeyes. Against Iowa, it was just one of turd games where the Huskers utterly didn't show up. One could make the case that both scenarios point to poor coaching. However, coaching only goes so far. For example, you think LB coach Trent Bray coaches LB Josh Banderas to consistently over-pursue? Or that RBs coach Reggie Davis coaches Terrell Newby to jitter and shake so much at line of scrimmage? Point is, it is the players on the field who have to take what they learn in practice and apply it in games.
Which brings me to the real reason Nebraska has stunk it up this season: poor QB play. The simple fact is, we have literally no one to replace Tommy Armstrong and he knows it. So if he plays poorly, or makes a lot of bad decisions, he knows the coaches aren't going to pull him. I like Tommy Armstrong as a young man. He's always been good off the field and he's never done anything to embarrass the university. But as a QB, he's just not capable for the type of offense Mike Riley runs. Now, you put Tommy in Tom Osborne's or Paul Johnson's offense, and he'd flourish. But a west coast passing offense? Nope. On a side note: I believe Armstrong will play in the NFL, just not at QB. I think he could get a few snaps as a wildcat QB but he'll need to make his living at some other position.