I think both these are fair, while saying it was highly likely the management of the payroll was the biggest factor.
This is why I hate judging GM's. You can never judge them solely on their time in the job, What they took over, what they left behind, often gets overlooked. DD did a lot of good and bad. So did Bloom. And Ben, and every other GM (well, not every).
Though I will never forgive Bloom for those two consecutive trade deadlines f*** ups.