You're right, it doesn't add up. I can appreciate that players might have some concerns about latest tinkerings but that doesn't equate to mutiny. They're pros and have been very used, I'm sure, to having to play in different ways over the course of their careers.
My suspicion (because, in honesty, we can't possibly know from the outside) is that players, manager and staff alike are all as dumbfounded as us as to why it's happening. I don't accept for a moment that the players have decided to take it easy and take the pay cheques. That they aren't giving as much as last season, sure that's there to be seen, but as to WHY...
That's why I say to give CR time to turn it around. He tried his formation changes, that didn't work and, fair does, he has accepted that. Now he has to start getting into the player's heads (maybe only some key players too) and re-energise them. Whether he does that by dropping players, bringing in new faces (and let's face it, he's not blessed with options - we don't have a 'top 6' quality squad) or by talking, I don't know. That's why he's a manager and I'm not. Suffice it to say that I've not reached the end of my patience with him yet.