When Jamaal Charles fumbled twice last night during the Chiefs-Broncos game, it was as much the coaching staff’s fault (and the front office’s fault) as it was Jamaal’s.

Here’s why: Jamaal is a professional athlete but even professional athletes are human beings first, and then athletic performers. They have problems just like the rest of us mortals. And I’m not talking about deep-seated psychological problems. I’m referring to problems they might be having with their wives, or girlfriends, or financial problems, problems with a coach, or problems with a teammate. If they keep their problems bottled up, if they withhold them and don’t tell anyone about what’s bothering them, it will negatively affect their game during competition. They will not be focused and are more susceptible to fumbles, dropped passes, and missed tackles.

Former NFL coach Joe Gibbs realized this late in his career when he was negotiating an athlete’s contract and figured out the athlete, even though he was making millions of dollars a year, was having financial problems. Former NFL running back Eddie George, when Tiger Woods’ issues became public, stated: “Ninety percent of all NFL athletes are having extra-marital affairs.” If true, why doesn’t the coaching staff and front office do something about it?

Much has been written about the importance of the turnover/takeaway ratio in the NFL. Few however are able explain the reasons turnovers happen.

Some say it’s because the opposing team has focused their defensive efforts on the practice of ripping the ball out of the runner’s hands, or other reasons.

While there may be some truth to these theories, my experience working with athletes and players has made it clear that when athletes are carrying around unresolved issues in their lives, they are more prone to making mistakes. When they are withholding their feelings, when they have misdirected anger at their teammates or coaches, or when they’ve had an argument with their wives or girlfriends (or both) they are prone to fumbling the ball, or dropping a pass that hits them in the numbers, or jumping off sides, or, if the player is a quarterback, throwing multiple interceptions in a game.

The reason is simple: They are not focused.

And it all starts with the coaches and assistant coaches (and the front office) and how they interact with their players, how they listen to their players issues and personal problems, and the type of feedback program they have created internally that allows players to air their grievances (both personal and team related) without being punished.

It’s no coincidence that the NFL teams with the best turnover/takeaway ratio are successful, while those with the worst are not.