There were just too many missed opportunities. Tobias had a good game, but he basically gave them 4 points in the second half by dribbling the ball of his legs and then throwing it away on the subsequent inbound (not to mention that missed free throw in OT).
Goins shooting such a low percentage three with 5 seconds on the clock was a poor decision, and we just couldn't draw up a play when it counted.
The refs were bad, and it's not crazy to say they didn't play a role in our loss, because they did. The truth is, our decision making AND the refs cost us an important game.