Own goals and penalties.
It's just my opinion, but there are parallels which can be drawn between the root problems at MAN and those at MUFC. Both institutions are close to my heart, but that's not the link!
Both MAN and MUFC have enjoyed strong local support, both have had notable success in the past, but more recently seen ownership structures change and focus move gradually away from the core product and their role in the local economy, towards maximising profitability of the business. Growing 'brand', volume, and revenues through acquisitions and/or non-core business have been a key feature of this change. Both institutions appear to have lost touch with their customers and their traditional values, instead pursuing returns for investors as the top priority. All this has now come home to roost with a very marked drop off in performance and reputation which will most likely hit the bottom line before long. It looks to be a rather long way back for both.