I don't buy this idea that Gerrard has never been a good player, but he's definitely never been a good or even decent holding midfielder. In fact, he has a lengthly track record of being the other team's best play maker when he finds himself in that area of the pitch.
It's not the fact he made a horrible mistake or was generally awful all tournament that gets me either, because it's pretty standard for England players in his position to perform consistently badly and somehow be praised for it (Parker, Barry, Lampard).
It's just the fact he plants his face in front of a camera at every opportunity and mouths up crap relentlessly...then goes on the pitch and performs a level below all of his team mates, and isn't man enough to have anything to say after the game. He wants all the attention but none of the responsibility, which makes him about the shittest England captain ever.
He loses his head constantly. Yesterday for example, he was fouling people in frustration, he cost his team the game, then he turned into a selfish tit for the last few minutes. The reason teams need captains is precisely because of idiots like this.