Its both I think - Goff just has those throws that sail on him and he will try to fit balls in tight windows that maybe shouldn't. But McVay's play calling is just dodgy sometimes.
I think Collingsworth made some good points last night - one, McVay is aggressive in play calling most of the time but oddly passive on 4th downs. Also the point on the oline being totally new in the middle and needing sometime to work together.