Did Romney lose because of an ineffective campaign, or because too many people would not vote for him given his liberal record as governor, or because of his religion? Or was the election stolen?
It's not beyond possibility that an honest count of votes would have produced a Romney win in the electoral college. If so, we already know the outcome in 2016 and 2020--either a Hillary win or a win by whatever Democrat is nominated in 2016 (if her health prevents her from running).
I would say that it was a combination of everything you stated. And that your opening paragraph is also true. Obama, like the Clintons is not the problem. He, like the Clintons is the symptom of the problem. The actual problem is the people that would someone of the caliber of a Clinton or Obama to lead them as opposed to a relative honest person.