I agree with this post 100%. Romney played it safe by not attacking Obama on a lot of issues, particularly with the Bengazi cover-up, Fast & Furious scandal, Solyndra and others from Obama's false promises of 2008. The Dems caused the housing crisis, but Romney let Obama continue to blame Bush. Bush began the bailout for the auto industry, but let Obama take full credit and did not talk about the non-union people who lost their pensions.
Romney lost for many reasons including Justice Roberts' decision to legalize Obamacare when he had the vote to end it. His poor pick for VP, Ryan, antagonized many people for his tough stance on cost-cutting. He couldn't even pick up his home state of Wisconsin. Rubio would have been the smart choice.