In my personal opinion - (which doesn't amount to much regarding football) I think the players are not gelling together as an English team, they are playing like celebrity footballers. I thought there were times when Gerrard should have passed for maximum opportunity at goal and he didn't.
They give all at the beginning - 1st 10-15 mins then they don't seem to loosen up, they panic when the ball is in shooting half and aim for a goal instead of playing it coolly that the ball is in potential range of gaol, let's get best opportunity, pass it etc like other teams seem to do, who show better control and are more relaxed and thus more skillful.
And then the team show an uncomfortableness when the ball is in the opponent's shooting area and suddenly the team show their incohesion and disarray by not defending oppenent's players adequately. They need to get on top of their own ego's and learn to chill out and play as team.