It was Harbaugh's penchant for unnecessary gambles that put the Ravens in a hole they couldn't climb out of. That fourth down try on their own side of the field when they could have used their pro-bowl caliber punter to pin the Titans against their own goal line and let the defense do the work. But instead of trusting his defense, Harbaugh overburdens them with his gambling. He also puts his quarterback not only in a position to fail, but with 4th and desperation, you know Lamar will give it his all to get a first down; unnecessarily putting his body at more risk.
Harbaugh ain't coach of the year. Deep down he's dumb, and if there's a way to lose, he'll find it.