Lot of blame assigning here on Peppers specifically.
Prior to that, all these things happened late:
In regulation, we stalled a goal to go drive with miserable play calling and then got stuffed on 4th.
In OT the offense won the toss and proceeded to put themselves 20 yards behind the chains. Then on 3rd and 6, our best pickup play was apparently an out route to our TE?
After Collins INT, the offense needed to merely gain 8-9 yards for a make-able FG. We instead went 3 plays for 0 yards and punted.
Following the Peppers fumble, the Defense pushed the Bucs back WELL out of FG range.....and then Williams surrendered a 14 yard pass play by rushing 4 and playing a soft zone with our safeties 25 yards off the line of scrimmage. Every d-coordinator worth anything AT LEAST rushes one player there in an effort to avoid time for a 15 yard deep out.
The above illustrates a lot of people (coaches, players) just not getting it done. The Peppers play specifically was just someone trying to make a play, late in a game, where we had sputtered multiple times with good field position. Even so, the defense put the team in a position to get the ball back and then the defensive staff got conservative and gave them the 5% chance to make that FG.