Lloris couldn't kick. Or play out at all. He made us nervous all game with his inability to kick, and had no actual goalkeeping to do apart from tame shots. PEH did his usual looking busy with no ability to do anything beyond that. Dier repeatedly gave them the ball in dangerous areas and was let off the hook for this over and over again. All of these actions contributed to us collectively shitting ourselves and retreating in to our shell, it's what happens when you have technically deficient players scaring everybody.
Everton deserved their 'golazo'. They outfought us for most of the night and were in the ascendency prior to the red and then after the pen. We played well for about 15-20 minutes in the first half, and otherwise were abysmal throughout the entire game. If Everton had any cutting edge/players who could make reasonable final third decisions, they win the game 3 or 4-1. But you're right, you can't blame it on one player, there are many shit ones who can have a chunk of it.