The way I see it not paying enough attention to ball security is all a part of that preparation. Remember last year when he took responsibility for the penalty problems, and then they got better towards the end of the season? This tells it's something he's let slip (like a lot of other things).
See this is why I've been saying that...Harbaugh just doesn't have the energy to stay on top of things anymore--home primetime games under Harbaugh have almost always been MONEY (only two losses heading into this season--and one of those was during COVID!). But now we've lost twice just this year? Nah, man. And you just look at him...he seems warn out, and doesn't have the same fire like he did earlier in his career. It's not like Pete Caroll or Andy Reid at 63...The way HIS aging process is going, it actually seems like he's older. This is why he needs to go ahead and retire, imo