I blame Cutler for the inability to make the players around him better and being the type of player that needs better players around him in order for him to perform at a top-15 level. Big Ben, Drew Brees, Tom Brady, Phillip Rivers, Tony Romo, Peyton Manning, Aaron Rodgers, Eli Manning, Russell Wilson, Andy Dalton, Cam Newton, Andrew Luck and Matt Ryan are QBs that have elevated their teams to a new level based on their play over the last five years based on how good they are as QBs. That's 15 QBs off the top of my head who have made their teams better and haven't had to build around their QBs to make that QB perform at a slightly adequate level. All of them have outplayed Cutler since his arrival in Chicago, so at BEST Cutler is a top-16 in that time frame.
But to even be adequate, Cutler needs a two Pro Bowl wide receivers (Jeffery and Marshall) a Pro Bowl left tackle and RG (Bushrod and Kyle Long) a criminally underrated LG in Matt Slauson, a Pro Bowl RB (Matt Forte) a Pro Bowl TE (Martellus Bennett) and still can't play at the standard of any of those QBs listed. Cutler has been spoon fed like a baby during his Bears tenure and at no point has he elevated his play to the point that you could say man he made everyone around him better.