There is only one person to blame for the closer situation and that person is Jim Hendry. He was the mastermind (pun intended) who put the Cubs into the situation.
I want to say that up until now I have given Hendry the benefit of the doubt in putting the team together and adding pieces. I have defended him because I felt the team had underperformed to their ability this year. But fault on the closer situation falls clearly on Jim Hendry's shoulders.