Well yes, and the point is that there will be a lot of changes for next year. Even in your post, you put a lot of blame on Maddon. He's not coming back as manager, so there will be a different manager in place with a different set of strengths and weaknesses.
And a lot of the veteran players who have played poorly during this stretch will also be gone. Strop, Kintzler, Cishek, Holland will be gone. Phelps will be gone unless the Cubs choose to pick up his option and I'm not sure why they'd do that.
So you can point to the collapse (and it's absolutely a colossal collapse, though I would still rate the Phillies collapse higher and even the 1969 Cubs higher as the only thing this year's Cubs seemed to have a clear line on was a road WC game).....but a lot of things are going to be different next year, so we'll see what they do with the money and the new manager. They could hire and spend the money poorly and be worse next year, but they could also be right back in contention for the NLCS and beyond.