On Brands it depends on how harsh / forgiving you want to be.
In Zouma he had a guy who had proved he could fit well with the team, an agreed price/wages etc. Everything set up to move from a loan to a contract, just the way it should be and a vindication of the loan move. Then Lampard comes in, Chelsea get a transfer ban and the whole thing falls down.
Presumably Gbamin was earmarked for the Gana role and then he gets injured. Bad lucl or bad planning?
I don't blame him for not getting Zouma, but I do think they should've got someone in on loan once it was clear that wasn't happening. We are one injury at CB away from a mini crisis.