In the fantastic Amazon Series "All or Nothing: A season with the Arizona Cardinals," Cardinals head coach Bruce Arians often stresses to his players the importance of playing with discipline, especially in crucial situations.
When I was watching the series, these sequences especially hit home to me as a Ravens fan who had just endured one of the toughest seasons in recent memory. Seeing Arians make the point that penalties truly can lose games both directly and indirectly made me realize part of what made the Ravens so painful to watch in 2015.
There are many moments throughout the season that fans can look to specific points throughout specific contests and say "we lost the game because of this.