That is certainly part of the problem, George.
But, historically, if Serbs, Croats, and Muslims start killing each other, it is always been because someone outside of Yugoslavia is egging them on, exploiting whatever problems there are between them and exacerbating them. Wars have never ever been a spontaneous event in this part of the world. That isn't to say that the actual combatants aren't responsible, but they are being cheered on and manipulated for some endgame by someone else. What we are seeing today is not "an accident" -- it is the way it was supposed to work out.
Croatia and Slovenia would never have made a move without Germany's backing. Bosnia would never have made a move without the backing of a ME patron, notably Iran. Montengro also had Western backers, including Germany. And the Kosovo Albanians, besides the US, their backers are the Albanian mafia and the Saudis.
Everyone else was rehearsed and prepared for this break-up. The Serbs were not. There are no right moves for them, no right people to lead them. They have been left up the river without a life preserver or a paddle! God help them!
I visited Yugoslavia in 1990 for a vacation (not Slovenia and Croatia) it was one of the most beautiful places that I have ever seen. What a shame all those people had to die. Did Tito keep them all together through fear?